or should I wait and save money on some of the high efficient speakers (like 98db or 100db from Klipsch)
I'm a huge Klipsch fan for HT. I know just saying that will cause a firestorm but I am. Klipsch f'in rocks for HT. You will need to temper the horns - they can be bright. But for rock music and especially jazz, they also do well. I had a Klipsch Refrence HT system that I'd put against all but the most stupid expensive systems.( In fact I still have the speakers at my sisters and I don't use them becuase I don't have the room right now - city living - gotta love it).

Some things about Klipsch - brightness.

A lot of the recordings you hear have the higher frequencies boosted because at the time of release the high frequency response of speakers wasn't good = sound shreekingly bright.

Movies - I don't know if it still holds true anymore but for years the sound tracks being released (for some movies) are just as they are in the theater. This is important because in the theater, the speakers are behind the screen and the sound flows through pin holes. Low to mid range frequencies have no trouble punching through to the audience but high frequencies - they need to be boosted significantly. A lot of good prepros will have "theater soft" for this reason - it gently cuts off the boosted high frequencies from the sound track. If you don't have this feature, just turn down the treble.

If you have Klipsch speakers with boosted high frequencies - the speakers will reproduce them faithfully and painfully

Rock on!!!