I raised two sons by myself and I was the last relative in this town so it was just them and I for the most part. Well it still is just them and I except now there's grandchildren! But like you, I got through it and have been treating myself to a recovery of lost time with past hobbies.
If I had to start over, discounting my penchant for DIY, I would find something used to get me by until the JBL Studio 590's became available and would wait longer yet for a possible sale on them. I'm not usually comfortable recommending speakers, but those I would.
That's kind of what I did. I scoured C-list for a pair of used JBL towers that reviewed well and bought them and could still be fine with those, truth be told. Especially for the whopping $75 I paid for them. I planned on sitting on those until I saved up for exactly what I wanted. Those didn't/don't need a subwoofer in my house. It ended up being a rather inexpensive lesson on what works in this house without committing to any certain type of speaker. Actually, those older JBL's ended up being the benchmark and are still tough to beat.