A headphone system is the way to go. You can achieve roughly the same sound quality for 1 / 10th the cost. I have the most amazing headphone system that I put together for around $15K that sounds very similar to my $150K main system.
So, you can develop test and zero in on the sound you want for a fraction of the cost of experimenting and evolving a main system. Then, when you are finally able to buy that house you will know what sound you want.
This is actually how I got to my system today. I improved my headphone system to “perfection”… for me. Then listened to my main system and realized it was sterile and anemic… so, an additional $75K later I brought my main system to sound like my headphone system.