@Alex2507 Thank you for your help.
I guess the official language of the forums is English so I'll just stick to it. Judging by your questions I have a feeling you don't live here anymore. I hope you're happy wherever you live at the moment, Croatia is a mess right now.
I'm definitely not up for DIY, I could go for a second hand market but I would need persuading, I don't really trust people.
Originally I was thinking about buying a DAC/amp combo and a pair of good speakers for 1100$. After a while I would get a sub. But, since I'm in no rush I might decide to invest everything in speakers and wait for the amp or even get a second hand, cheap DAC/amp while I gather some money again.
What made me second guess myself is the fact that I found a pair of new ATC SCM 7's - these get the highest marks from even the toughest critics out there (ATC speakers in general). But they're still out of my reach. So i still have some thinking to do.
I'm making a fresh start, buying everything from scratch. I have to buy an amp and speakers. I would invest most of my money in speakers, more precisely FL and FR would get the most. I'm going for a stereo sound system that would end up as 2.1 (also an advice I got here). So, step by step (and in this order) I have to buy speakers, an amp and a sub.
I want my FL and FR to really be good. Amp should sport a DAC and for starters it should just be decent. I don't think I should throw money on a DAC, but I do have a large digital archive and I want it to sound good. I see more and more brands giving into this philosophy and I don't think it should be a problem. (among cheaper brands with DAC I have: Rotel, Marantz, Denon, Music Hall, Parasound Z, Cambridge Audio, NAD etc).
Whatever I decide to buy it'll just sit there for some time, though, because I don't have all the money at once. But this is less important for me. I am patient.
This is why I could even go for the amp first, it wouldn't change a lot, it would still sit there. If I go for the speakers first, the amp will be the one that can simply 'just' play. Next step the sub, which I wouldn't mind buying second hand. I know some of the members here would have me imprisoned merely for saying this, but I don't even think I should pay a large amount for the sub because all I expect from it is to fill the lowest frequencies. I'm not looking for a performer. All I ask is for the sub to have a button for the crossover frequency - I say this because I saw a lot of them don't.
After I get good speakers, working DAC/amp and a sub, I'm going back to the amp. Since I think of getting the most basic one at first, I'll replace it with a solid one and I'm done.
Since I'm a kind of a guy who forgets about equipment after a while and focuses on content, this would keep me happy for a looong long time.
But I don't want to go through the process a couple of times I don't really like the shopping itself.
killdozzer
EDIT: Music Hall is not actually cheap, I was thinking about Musical Fidelity but wrote Music Hall as I was just visiting their web.