Don't worry about asking questions here. We're all perfectly willing to spew our audio/video vomit for the most part. Monitors is kind of a shorthand way of writing that the speakers are relatively small and require stands, versus floorstanding speakers that don't and generally will produce more bass (but still not necessarily full range, and most aren't which is why subs can frequently help). You never "need" a subwoofer, but if you're doing a lot of TV and movies it greatly enhances the experience and makes it significantly more immersive and involving. When you mentioned 3.1 I assumed you were adding a sub (the sub being the 0.1 part and the 3 being the front L/R/C). Also, at your price point it's tough to find floorstanding speakers that don't commit a lot of sins that screw up the sound, and you'll still want a sub to get the full movie effect anyway. Hence the assumption you were looking for monitors, which is probably the smarter and more cost-effective way to go for many reasons.
Hope this helps, and sorry if I'm just making it more confusing.
Hope this helps, and sorry if I'm just making it more confusing.