Buying a HTIB ( Home theater in a box) is perfectly acceptable for non-audiophiles or people with budget restrictions. The key is make sure you will be able to switch out the speakers and/or receiver later when you have more money.
I bought a Onkyo HTIB 8 years ago. Still runs great. I now have 3 Onkyo 5.1 and and 7.2 systems. I'd do research on the receiver included as I'm very happy with my 5.1s but the 7.2 overheats like crazy.
Checking clubonkyo, you could save $200 buying it refurbed
https://www.shoponkyo.com/products_1...s=1&group_id=1
you have to register to "join the club". I think they give you like $10 free for joining.