Tempting to buy an HT receiver for your stated price/wattage, just to have down the road flexibility. But as you say sound/build quality would suffer and it distracts from your audio (not HT) goal.
Out of the three brands listed for stereo use I'd go with NAD as a step above the typical big box stuff (like Onkyo or Yamaha). NAD was created to offer real-world value (excellent sound quality, useful features, useable power, put the money into intelligent design and content rather than glitz). I've owned a couple of NAD pieces and have recomended it to others. No trouble/complaint from any of it.
The NAD C325BEE is a 50 wpc integrated amp with an MSRP of $399. NAD amps are designed to "soft clip" to protect speakers while providing twice the power for instantanous music peaks. So the C325Bee peaks over 100 wpc. Here's a nice review:
http://goodsound.com/equipment/nad_c325bee.htmAt this price I'd also look into Cambridge. AudioAdvisor.com often runs sales, demos, etc. Harmon Kardon would be my 3rd pick, well built, sound good, big power supplies, can be found at the big boxes (at a bit of a premium compared to the "typical" brands).
FM is being replaced with FM HD, Sirius, and internet audio streaming so I see little value in FM if you look into the years ahead. FM HD home tuners are coming out. Sirius has a monthly fee, but if you're already paying for it in the car it can be moved back and forth. Internet "radio" can connect to your audio system with a USB to RCA cable (about $50).
When funds become available a $300 Squeeze Box can provide wireless connection between computer and audio system for internet "radio" and whatever music has been ripped to the hard drive. It provides a remote, display, and can be modded (or upgrade the power supply) later on for truly great sound quality. This sort of thing is the future for audio source, but for now does require the user to be somewhat computer savy.
