FOR MY MONEY (emphasized so no one yells at me), the best bang for the buck speakers i've heard are paradigms, particularly the studio series. they're not particularly WAF-fy (wife acceptance factor), but they sound awesome in a lot of systems and rooms.
you might be very happy with a pair of studio 60s (around $1000 used, forget how much new) and it's very possible you could feel that you don't need a sub (i believe they go down to 29). i haven't heard a speaker that retails for less than 4k that i prefer to them, but, as always, you may dislike them intensely, who knows.
or you could always go mental and get a pair of studio 100s and a sub. or two subs. then your neighbors could enjoy your system with you.
as far as subs go, i'm a big fan of REL.
you might be very happy with a pair of studio 60s (around $1000 used, forget how much new) and it's very possible you could feel that you don't need a sub (i believe they go down to 29). i haven't heard a speaker that retails for less than 4k that i prefer to them, but, as always, you may dislike them intensely, who knows.
or you could always go mental and get a pair of studio 100s and a sub. or two subs. then your neighbors could enjoy your system with you.
as far as subs go, i'm a big fan of REL.