Actually Kurt, to your PS, I’m not sayin that. In fact I didn’t mention price at all, and I actually agree with you, and find your SVS example appt. Dollar for dollar, BS speakers paired with a subwoofer usually represent good value, but we all know it’s not that simple. In my post to the OP, I was simplifying my response, saying why I feel towers “can” deliver better dynamics etc. Even above the XO point. I didn’t qualify my statement with a price point, speaking arbitrarily.
The answer is always the same. “It depends”. My friend has a room for example. It’s on a suspended floor with short ceilings. You can get good bass response with a cell phone speaker. It’s too easy. My room however is concrete slab, and combined with my kitchen(not included foyer) is around 6700cuft. Mains are 14’ away. Not an easy space. My friend could use a pair of LS50 and an sb2k. I can’t. (Q950 are on my short list when that time comes.)
So my theoretical response was only pointing out why I feel towers can be better.
Iirc, OP is soon to be in a larger space, and I feel the uf5 would be worth the extra money, and since he has and likes the ub5 they’d make good surrounds.
As far as money is concerned. Everyone has a different budget, and perception of value. For me, it’s worth it to save longer to get what I feel is better. That means waiting till my squirrel fund is big enough for the towers I want vs buying the BS I want right away.