For $3,000, I would go for the Arcam AVR350 plus a 2 or 3X200WPC amp, e.g. used Bryston 3BST, or equivalent NAD, Rotel, Parasound amps. The Arcam should have no problem driving most 4 ohm center and surround channel speakers. That way you spend your money to get the best sound quality/power possible for 2 channel music without sacrificing anything on the HT side. The surround channels in particular, do not need as much power as the front and center channels do, even for 5.1 SACD/DVDA material.
By the way, I do agree speakers make the most difference in sound quality, but it also makes sense to get enough amp power right from the beginning, then you can upgrade to whatever speakers you like down the road without worrying about upgrading your amps again.