@lsiberian -- thanks for the tips. I'll have to take a look at that DENON AVR-591 and compare against the others I'm looking at. That is ~$100 less than the ones I’ve currently short-listed, which I could then shift a bit more cash over to the speaker side of things (or save it for the sub, etc.)
Best Buy had pretty poor options for listening... I could swear they used to have a listening room with different sets. Now there are just various setups scattered around with their TVs. It is pretty obvious what they are there to sell.
So I also went to the local Fry's -- high prices, but they had a decent listening room, which is what I was after.
I did get to compare the soundbar/sub to the 2.1 to the 5.1 setups (and one 7.1)... and I do not know how they get away with charging $450 for the sound bars and calling them 'virtual 5.1' or 7.1!?! Even as cheap as I'm going, I know I'm going to have way more sound for my dollar. There is simply no comparison. Neat technology, but no comparison.
Anyhow, from this listening tour, I did learn that I'm a 5.1 kind of guy... I *really* liked the theory of starting at 2 or 2.1 and went in 95% sure that was the way I would go, but after listening, I'm pretty sure I'd sit there and itch for that surround when it wasn't there. So in reality, I think I'd buy myself more time by going with either the $170 Jamos on Amazon or the Onkyo SKS-HT540 for $199 on Amazon, paired with the $250 Denon 1712 (or one of the other ones in that range that I'm trying to get a deal on) and all said I'm in for just $420... This is good.
Thanks everyone for your advice! I started this process feeling really lost, and even though there is still tons to learn, now I feel like I'm making a much more informed choice here.
Now I just have to put in some orders, and wait for everything to arrive!!