My wife and I have three systems.
Master bedroom, living room, listening room.
The living room system is the least expensive by far and consists of a pair of Pioneer stand-mount 2-ways designed by Andrew Jones, 14 gauge cheap speaker wire, and a Denon AVR bought used. Source is streaming.
Total cost is under $600.
Sounds amazingly good for what it costs. Helped in no doubt by a large room with tall ceilings. Best bang for the buck of our three systems.