from my experience, if you listen to music most of the time, get a good 2 channel usually better than having many speakers around you.
i agree with above reply that it is a good idea to have a 2 speakers and a receiver. if you want, u can use 2.1 setup, which is 2 speakers, a sub, and a receiver.
my setup would be a a pair of B&W 686 (or 685) and a 610 sub. the speakers will cost around $800 to $1000. u will have around $600 for a receiver.
as for receiver, poeple had gave many wonder choices already, u can choose from Onkyo, Pioneer, Denon, Sony, Marantz. etc. (make sure u get the latest model with HDMI 1.3, u may not need it now, but good for future proof. and Pre-Out, in case u want to upgrade an external amp and use receiver as pre-processer)
for music setup, sub should be placed in between front speakers.