is there a "sticky" regarding questions from members asking for help choosing speakers? if not, there should be, imho. it seems like this questions is asked/answered weekly, if not more frequently.
here is my opinion on choosing speakers, in no particular order:
1) only YOU and YOUR ears can determine what you will be happy with and what you like the sound of; do not assume that just b/c someone else likes a particular speaker that you are going to like it too;
2) i personally only buy speakers locally, where I can audition and/or return them; get to a big city, if one is close enough to drive to, and spend a day auditioning them with music you know well;
3) buying speakers online, even with a generous trial/return policy, may be fine for some; for me it's not; that being said, i live in a big city, with lots of choices. others may not have those choices and online may be a realistic option.
4) arguably, speakers are the most important part of your decision process; however, all of the parts of your system ultimately have some impact on the final product (ie, how good it sounds). try to find a good balance when spending your money, but certainly speakers should receive much of, if not most of, the attention.
5) and, my golden rule, if you are having trouble making ends meet financially, if you do not have health insurance, if you do not have enough cash in your bank account for this purchase, etc., etc., do not buy any speakers at all. tend to more important things such as a roof over your head, health insurance, etc. before buying "luxuries".