I'm always good for looking at Ebay for some great deals. You can either spend less money than your target budget, or get higher quality gear and stay within your budget.
In my case, I kind of ended up splitting the difference, but still ended up about $1000 under my budget. Course with Ebay, its rather luck on getting a great deal or two, or just saving enough to make you feel like you still saved at least some money over getting something from a local dealer. In my case, I got an awesome deal on the sub woofer, and a decent, if not great deal, on the 5.0 speakers.