Well, long term, it makes NO SENSE to have an almost 500 dollar AV-rec running 100 dollar speakers! Obviously, option 3 make the most sense. However, I haven't heard great things about Yamaha speakers and I think you can get better deals on other brands.
If you live near a Fry's, the Infinity Primus speakers (p363 for 99/speaker and the p163 for just over 100/pr
) would be good options.
The Polk Monitor series is often on sale at NEw Egg, although I am not as big a fans of these as some are...
The Pioneer (Andrew Jones?) series can often be had, full 5.0 set up for around 500 dollars, again, New Egg.