Thank you for the replies!
My budget was blown on the Blue Ray Disc player: Panasonic DP-U9000.html
I probably can't wait for BlackFriday/Boxing Day (Canada thing), since our current Blu Ray system is a Samsung All in One Media kit bought over 10 years ago, is on it's way out. So no salvage or anything other than the old TV.
So I'm going with some basic speaker setup for now, with (hopefully) a receiver that can do ATMOS, so probably no more than $1500 CND, or roughly $1200 $US.
My next upgrade will be the TV next summer or 2020 BF sales.
We own our own home, and live on an acreage, so there is no issue with waking the neighbors or tenants below or above us.
I have noticed something interesting on higher end receivers, there is a Zone 2 for speaker setup, usually just two. What is that Zone 2 for? Would that be the ceiling speakers for the ATMOS?
Thanks!