I've got a pretty nice 'mutt' 700W HDMI 4k 5.1 setup in the living room, I run dual subs with it, each with a slightly separate Hz focus (12" Polk focused on super lows, 10" Kenwood on slightly higher lows), a mix of huge speakers, I actually have towers for rears right now, which isn't ideal probably, but it sounds fantastic. I can't stress enough how important the center channel speaker is though, with any TV or movie encoded for surround, if your center channel sucks, it will be incredibly difficult to properly hear dialogue without going to Stereo 5/7 mode.
Otoh, have a Samsung 2.1 soundbar with little wireless sub in the bedroom. It was silly overpriced at $249, but works okay I guess.
If you apartment, go SB and/or good headphones. If house, build out a legit 5.1 or more. Have fun with it!