Due to financial considerations, I have added speakers and components over time and I am at 5.1. It's a bit of a mish-mash but it is working well for me. I now have a Samsung 51" F8500 series plasma (stunning, IMO), an Oppo BDP-103 Blu-Ray player, Pioneer SC-1323 AVR, Sony SS-F7000 fronts, Fluance XLBP bipolar rear speakers, and a Klipsch R-110 wireless sub. Don't laugh at the Sony speakers because I made the final purchase decision based on Audioholic's review.
They are good for the money. Most of this I purchased because I found a great deal. Buying a packaged set would not have been much of a challenge, and I prefer "difficult fun."
I have an old pair of Bose satellite speakers that I am considering adding for FH but I am not sure it is worth the effort. Those speakers really belong in the trash and because I am in an apartment, the wiring is problematic. And two subwoofers is out of the question!