I would stick with 2.0 for now, you can get a pair of very nice speakers for $1000, and then spend the rest on a receiver, and maybe an amplifier.
At this price range, you should be auditioning speakers at audio shops, and bringing in the kinds of music you plan on listening to.
I would recommend going with a receiver that has pre-outs, and then picking up a nice 2 channel amplifier to really drive your speakers well and get you the most out of them.
One place I can't emphasize enough is www.audiogon.com
Its like ebay for audiophiles, and there is mainly very nice stuff, a lot of vintage as well. Its a great way to get fantastic speakers and equipment, and spread your dollar a little further.
Once you audition some speakers and figure out what brands you like, then you can check out audiogon to see what they have.
Just after a quick browse, http://www.audiogon.com/cgi-bin/cls....l-Concerta-F12
These Revels are in like-new condition and are pretty impressive. This is the kind of speaker you can listen to in a nice hi-fi shop.