Sounds like for your use a good stereo system is a good start. Perhaps reserve 2/3 or so or more of your budget to a good pair of floorstanders or bookshelf + sub plus 1/3 budget on a receiver or integrated.
You definitely can get much better value with a preowned set of speakers, just make sure seller has the original box as you are far more likely to get them without any dings.
I think bookshelf + sub is better in general than floorstanders because you can control the height of the speakers better and having the tweeter at ear level tends to be pretty important for most speakers in terms of speech intelligibility, but regardless i would run room correction when possible on your receiver either way.
You definitely can get much better value with a preowned set of speakers, just make sure seller has the original box as you are far more likely to get them without any dings.
I think bookshelf + sub is better in general than floorstanders because you can control the height of the speakers better and having the tweeter at ear level tends to be pretty important for most speakers in terms of speech intelligibility, but regardless i would run room correction when possible on your receiver either way.