I would stick with 2 channel audio system. Receiver or integrated amplifier with outboard AM/FM tuner. Many newer 2 channel ones have digital inputs in addition to analog ones. If one you find lacks USB input purchase a USB/SPDIF converter for coax input. Separate bluetooth receivers can be purchased that output analog.
There are many budget speakers on the market that are very good sounding. check out the speaker threads herein.
Consider the used market.
A great 'good enuf' system can be had for 1K!