The Turnberry an Kensington are "entry" models I've heard with the PL. Seems once you're in, you don't leave and go big later. The Focal "too clear" is subjective and not for all ears. The system/room will influence the sound. You need to be into "the look" as well as sound with traditional Tannoy's. I like them, but know some who find the look dull.
Focal Grande Utopia vs Tannoy Westminster Royal?
I've heard the XT's extensively with the PL. For a first buy, they are keepers, especially for the price. Subs can bring more to the presentation you're presently enjoying. Multiple subs are the agreed way to do it, when you get the itch to bring your setup to another level.
Kensington+ subs= Call it a day. I wouldn't be able leave the house.