OK, I think I understand a little more about your direction.
Now, you naughty boy you, you cannot call it a .1 system, if there is no sub - that IS the .1 ...
To be straightforward, I would suggest that the two speakers (mains) are likely to be the most important - I run a 4.1 system (no center channel) that was only upgraded from 2.1 recently.
There are great audio experiences to be had, with only 2 speakers, as long as they are decent.
Hunt the Panny or JVC as your A/V heart. Add speakers (I am suggesting just 2) that suit the sound you like - listen and pick the right ones for you.
Add center, surrounds, and sub, as the budget allows, UNLESS you are dead set on having all 3 speakers right away - in that case you are spreading the budget across 3 speakers, rather than 2, and in time, might come to regret that decision.
Good luck with the hunt, and let us know how it works out.
mark in Canada