Man, if it were me (and thankfully it's not, I guess), I would penny-pinch and scrounge up enough to get the Affordable Accuracy Monitor no matter what. As passive speakers go they just blow away everything else by a gigantic margin, and that makes them worth the little bit more money.
I liken it to the tools I used in my machinist job. I was cautioned early in my career that 'Buying 1st quality only hurts once. Buying cheap means you'll be buying twice and end up spending more than if you'd just bought the right stuff the 1st time.'