And you're not exactly wrong either.
But, maynardguy13 wanted to know "What is the difference between regular speakers and studio monitors?". And I told him. He then asked "Which will give me the best sound quality for listening? I like to play music on the louder side, and will be about 8ft away from speakers. " And all other things being equal, "regular speakers" will sound better 8 feet away than speakers designed to be listened to from 1-2 feet away.
What you describe CAN work, but may well not work out for maynardguy13. It's hard to say from here.
The cheapest JBL studio monitor - JBL LSR2328P - goes for $350 each. The cheapest Yamaha - Yamaha HS50M - is $200 each and is advertised as "near field reference monitors".
Then again, these are active monitors (i.e. powered). Since he was also "thinking about getting some B&W bookshelf plus sub or tower speakers", it's hard to know what amplification he already has. If he already has a "home theater" receiver he would be wasting a lot of money on extra amps. And i don't think they even MAKE non-powered monitors any more.