I have not read every response to your question, but wanted to pass along a more general perspective for you.
First, you have to recognize that Audiogon includes a lot of the audiophile "elites" that simply think about stereo sound in ways that most of us simply cannot replicate or even appreciate in many cases. I would equate it to someone looking for a sports car and having a Camaro/Mustang budget while getting advice from hyper-car owners that do their own maintenance. I'm not in any way trying to disparage these members, but think it's important to understand the wide range of advice you are going to get.
My system in total is worth less than some members have spend on a single power cord, yet I only have one friend that has a stere setup that's similar to mine. My setup is limited by my small house and family so I know that it could sound much better if I had the ability to optimize the setup.
I find that even with a suboptimal setup it's possible to get sucked into the hobby and appreciate the sound quality.
I wouldn't recommend that you spent an astronomical sum on your setup given your constraints, but a nice set of bookshelf speakers, with a subwoofer, and a solid amplifier would most likely result in a setup that you would appreciate.
I have a pair of Audioengine A5 speakers in the other room that sound ok, but when I've had them setup next to the TV you can convince yourself that you're listening to my larger speakers.
You might even consider a pair of center channel speakers as they would have more drivers while also not having rear ports in most cases. When I was look for some speakers for my father-in-law in years past one of the dealers suggested this as an option.
As long as you get a quality set of speakers and a nice amplifier you'll be able to appreciate the more realistic sound even when using them for background music.