Mark,
Don't know much about the JBLs as I haven't heard them. Athena is a good bang-for-the-buck speaker line and the Point 5s, if you can afford them are a very good speaker set for the price. However, for $369, you don't get a subwoofer and one would be hard pressed to find one worth purchasing individually for less than $200. And you still need a receiver.
http://www.bestbuy.com/site/olspage....9&type=product
At a lower price bracket, the Athena Micra system is also quite good at its price point and you do get the full 5.1 (w/ subwoofer) system for just under your $500 budget.
http://www.bestbuy.com/site/olspage....5&type=product
The Hsu Ventriliquist system with STF-1 sub for $500 I haven't heard, but the many positive reviews by those on this board would lead me to believe that it is a very good system as well. I know the subwoofer is probably better than any you can get in any package at this price range.
http://hsuresearch.com/
At the lowest tier that I think you want to go is, as I mentioned on the other thread you started, the Onkyo home theater packages. For some reason, Circuit City only offers Onkyo's 6.1 home theater, but for under $500 you get a decent set of speakers and a receiver that is good enough to build around, even if you choose to upgrade your speakers at a later date.
http://www.circuitcity.com/detail.js...&catoid=-10041
You could purchase the Onkyo 5.1 home theater set online direct from Onkyo, but not sure you would prefer that over the convenience of dealing with your local Circuit City.
http://shoponkyo.com/catalog_detail....&p=i&ext_war=1
Moreover, I believe the speakers and the receiver in the 6.1 speaker set is better than the 5.1, more than justifying the $100 price difference.
If you can pay more for the Athenas or the Hsu + receiver, they ARE better and you may wish to go that route. But don't spend more than you budgeted for yourself. There will be plenty of opportunities to upgrade in the future. Buy the best you can at this stage and slowly improve the system as time and budget allows. Even the people here with >$100,000 systems didn't start out that way.
Victor