@toddcowles Can you elaborate more on your previously owned "beloved 2 channel system" i.e price paid , why not just replace with some upgrades ? I know this is the route I would take , with little to no hesitation. Unless you are looking into a multi channel HT system in place of a 2 channel setup.
See what happens then is you can satisfy the itch to get back into the audio pool & more importantly exercise some restraint at not embarking on a spending spree , just because it is possible now to do so.
Did you not gain any wisdom from the experience , rather unpleasant it must be, to have such serious family financial problems at your door & resort to extreme means as a temporary solution. The bigger picture scenario might require some sacrifice here and there to yield better long term financial stability.