I do agree with the sub option - I was very hesitant to purchase the Sony sub, and not because Sony doesn't make good products, because they do, but if you want good speakers you have to go with a speaker manufacturer. It was a BB purchase and easily returnable. My ONLY complaint with it is that it seems a bit sluggish on the low end, but it does produce some "Wow" inducing notes during certain soundtracks (such as any of the Matrix gun battles).
I appreciate the advice about using eBay as well - hopefully with enough research on the seller and the item I will be able to make an informed decision that's not going to turn out badly.
I don't think I will settle for bookshelf variety front channel speakers though - I crave that good solid front stage environment. If I can't afford it now, I will sooner or later, just have to save some dough.

Either the JBL N-Series or Venue (I've been looking at them a lot lately).
I figured the center channel speaker was the next best thing to upgrade considering most of the sound comes from this source, and almost all the dialog.
Yep, notwithstanding... those old Kenwood HTIB speakers need to be put out of their sad misery.