The important thing to remember is does the systems sound good to you? One of the things to remember about HT is that it is a life long passion. There are always going to be updates, new tech, new features, etc. This site also has reviews of HTIB packages. The best thing to do is to try out the speakers in a showroom so you can get an idea of how they may sound.
Since you are in an apartment my guess is that your main listening area is on the small side. In that case a HTIB might work for the time being. Or you may be better off saving the $800 towards the downpayment on the house. That way your house is your foundation for your home theatre.