Not as many B & M stores to hang around listening to different types and prices of speakers , amps etc.. as when I started out, actually there is only 1 left within about an hour and half drive from where I live now so it’s a little harder to build relationships and get good advice not to mention good deals on returns, trade ins and demos from a dealer. At amy rate I always thought the speaker is where most effort and money should be focused but at the moment I am doing a home trial of a set of speakers that cost less than my integrated amp so what do I know? Staying in the parameters I would still put speaker at about 55%( he or she can figure room treatments out later maybe do some home made things) , amplification either separate or integrated close 44% and the remaining 1% on cables. But the more I read the better I understand I’m not an audiophile just someone who likes to listen to music on the best I can afford which is pretty modest from what I can gather.