Unless I'm seriously mistaken, the 15-20K budget is for a complete 5.1 system, including the TV, sources, processor, amp and all accessories.
Let me first start out by saying that it's bittersweet to read your story about the fire. Bad things, like fires for example, happen every day to everybody. Bad things, they often don't discriminate and we just have to live with them and accept. But, the part where everyone got out, which you took initiative on and did, that's fantastic! A house and the belongings in them are, in the end, just things which can almost always be replaced with time & money. People, well, they're a little more precious. Anyway, enough of that.....
I have the same question as quoted above (and a several more) as well. You are starting from absolute scratch, correct? We need to advise on literally the entire system from the ground up? This is no problem, as we are all here to help, but I don't want to give you suggestions on things that don't interest you or that you're already set on.
Also, we're talking "in-room" (meaning traditional) speakers here, correct? No in-walls, or anything like that? Is there anywhere that on-wall speakers can be used? Maybe around a plasma/LCD, keeping speakers off the floor (& yes, there are some extremely high quality on-walls out there with a budget like yours)? What about the rear surrounds? Box speakers as well? Or would on-wall, in-wall, or in-ceiling be possible?
From a décor stand point, what is acceptable? Are you and your wife wanting speakers that blend in, stand out, maybe both, depends on design, do you want something unique, what? I know the "monolithic" look is out, but is your taste contemporary, European, country, etc.? I am just not extremely comfortable going on "minimalist" because in my market that's just not incredibly common. What color speaker do you prefer? Gloss Piano Black, Flat black, Steel, Cherry, Maple, etc. does it matter? Maybe you're wide open and all of this comes down to you seeing a few things and the experience being yes I like or, no I don't?
How far away do you sit from your TV? Wall mount OK/possible?
The reason I am asking the questions about esthetics is a sound one (pun). After 9 years of being "InTheIndustry" I have learned that people ultimately have to live with their gear. You experienced this when your wife killed the monolithic speakers (which is great, because now you know to stay away from those).
I usually use this hierarchy to institute a sort of Survival Of The Fittest when whittling down what will and will not be a great system for a client:
Note* While this is in order in terms of steps, they are all equally important. I recognize completely your want for fabulous sound and you can & will have it.... in the end, but this is a great way to start. If going this route doesn't yield a great sounding speaker, then loosen the noose on what is acceptable esthetically a little bit.
1. Find models that fit your install needs
- Every home has different physical traits that allow or disallow certain products being installed-
2.Decorum
-What do you really LIKE cosmetically-
3. Go out and then listen to those choices and see if you are WOWed by anything. If you are... buy and enjoy.
-Fairly self explanatory, but let me warn you against listening to something you've ruled out looks wise when you're seriously shopping and have some coin to drop (like $15K-$20K): You might hear what you feel is the greatest speaker ever. Birds will chirp, the sea will part, whatever. I will call this effect "Ear Goggles". The problem with ear goggles is that a year or two from now when you walk into your room and are picking up your kids toys it'll hit you and hard. Your room will be a hodge podge of big, ugly boxes that you can't stand the look of, and it will eat at you. I get many people a year that have gone through this and it's not fun-
Obviously I/us/we are all going to have different opinions as to how to go about your shopping and you're going to get a lot of suggestions. $15K-$20K is a very healthy budget that's fun to work with. Lots of different things.
So, Eddie, if you'd have a few minutes to type about some of the issues I've raised above, I think some of us (obviously me included), can point you in a more specific direction.