I know you don't want to hear this but don't sell yourself short and just get something to get by with. You would be better off and more happy if you waited and get what you want instead of something as a holdover.
Really I have been into audio (mainly car) forever. The reason I waited so long to get something nice for the home is because it aint' cheap nigga. I wanted to go big instead of small several times over. It is finacnially better that way in the end. Sure it may take a longer but.........
Where do live? Are there any dealers close by? I found a place that had something I wanted that has no interest finacing for 12 months (lucky me

). I payed up about half the rest will be paid off next tax season. Maybe you could go that route.
But just think about it, don't sell yourself short. If you are anything like me you will second geuss youreself forever, thinking what if......?!. Anyway good luck bro there are way too many choices out there, but there shure as **** ain't enough money at least in my case.
Dono