HK and NAD Gurus - Need your Advice - PLEASE

QUESTION: I am looking for an inexpensive surround receiver 5.1 to get going while I save up to invest in the bigger and better stuff. I am considering refurb HK or NAD.

I heard from some HK owners that HK has a high failure/return rate on their equip.

HK Gurus, PLEASE, your experiences and recommendations are much needed.

NAD Gurus - Any recommendations on a NAD model that does 5.1?

Speaker info:
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Front two speakers - Boston Acoustics VR30s (250 w, biamp/biwire possible)
Rear two - BA CR-6
Sub - up in the air - any thoughts?
Center - soon to be purchased - BA VR920 Center

THANK YOU!