Ok well Ill give a few tips:
1) 2.1 is considered a "stereo" setup and usually consists of 2 main speakers + optional subwoofer (for deep bass). This is generally preferred for music lovers.
2) 5.1 is considered "surround sound" or "home theater" setups and consists of 5 speakers - 2 mains (left and right), 1 center channel (in the center of the viewing area) , and 2 surround speakers (placed behind the seating area). + the optional subwoofer( again for deep bass).
Deciding between them comes down to preference and use. For movie watching...5.1, for music and gaming...prob 2.1. For all of the above...5.1 .
With a $200 budget its gonna be tough to get any descent speakers AND a amplifier. I am not a fan of Home Theaters in a Box as they are usually pretty bad in terms of sound and quality, but they do offer a descent bang for your buck.
So you have a few choices...grab a home theater in a box, accept that the sound quality will be mediocre, and go on down that road...or
"invest" the $200 in a nice stereo or 5.1 home theater receiver and next paycheck grab some speakers and build a system (it can take time as a lot of people will tell you)....or hit the used market and sniff out a great deal on some good used gear.
I will leave you with my suggestions for "cheap" speakers to get your started:
Pioneer entry level speakers - http://www.newegg.com/Product/Product.aspx?Item=N82E16882117403
NHT - http://www.crutchfield.com/p_228SZ20B/NHT-SuperZero-2-0.html?tp=186
Polk - http://www.crutchfield.com/p_107R150/Polk-Audio-R150.html?tp=186
This list could get really long. But those are a good place to start. My suggestion is to build a system. If you absolutely have to have a 5.1 right now with $200, looks like a Home theater in a box is gonna be your best option. If you are willing to start with a 2.1 and upgrade I suggest the following setup:
That comes out to about $220 bucks. Others could have better advice, just my 2 cents