You cna find some info even on this site on good budget stuff.
Thing with speakers...it does pay to spend a bit more. For around $500 you can get a Yahama HTiB with nice sized speakers, that will put out quite a bit of sound. Just add a TV and DVD player. Or, wait until the X-LS HT speaker set from av123 is ready to ship, and buy those, then get a bargain reciever and DVD player.
There are tons of options...but at a $200 price limit overall, your hands will be tied to finding a sale on an Onkyo HTiB. If it's $200 a piece, well you can get some great stuff for those prices, if you look around enough. $200 was what it costed for me to get a Yamaha NS-BP4500 surround speaker set....not very high fidelity or anything, but it will give you plenty of sound, and whoops the grills off of all those little cube speakers.
Honestly, I would say if you are looking for super-affordable, but also intend to listen to music on this system, to go with 2-channel. That way, you can spend on nicer speakers.
I'm a budget audiophile myself...I just have a hard time accepting the thought of dropping $500 or more on a pair of bookshelf speakers. Of course I want them...but when it comes time to throw down the wallet, I get this "Steve....what the hell are you doing?" feeling, and end up backing down.