rusty,
i had similar questions when i first got into all this over a year ago. here is what i learned.
using a good mid-fi all-in-one HT receiver is a very good way to go, especially for a modest budget or to keep things simple. HT receivers in the $600-$1500 range can be very good or excellent performers when mated to good speakers, in a good room, etc.
what i found, personally, was that separate amps gave a more dynamic and powerful punch in loud, complex, and "heavy" movie scenes and music. at lower to moderate levels, there was virtually no difference and i was just as happy with my HT receiver alone. separate amps (even entry level brands) are an expensive addition to achieve what is usually only moderate improvements. but, if that extra ooomph is important to you and it won't prevent you from using your money for more important things (ie, saving money, healthcare, family, food, transportation, roof, etc.), then it's worth a consideration.
there are some less expensive separate amps (audiosource, for example). unless you are someone who critiques every singles note or sound coming out of your speakers, my guess is that these would be a good choice. they do have some limitations and are cheap for a reason, but they seem to work well for the most part, if you're not splitting hairs.