I very much agree with this. If there will EVER be more money for upgrades, I would go with fewer speakers now and get quality instead of getting a complete set. I would look for a pair of speakers for the whole $700 budget, and wait for the rest until I had the money for it. I personally would much rather have a good two channel system than a marginal surround system. Others, of course, may disagree, but if you buy a set of speakers and then replace them all later, that will cost you more money in the long run than buying good speakers that you can possibly keep for your entire life.