I would also add ....

What are your goals? Not just for the near future, but also a bit beyond that. If your goal is just to have surround sound for under 1k, then you are probably going to do the all-in-one deal. However, if you are venturing into this as a new hobby and are really anticipating it becoming something that you seriously want to invest money into...then I would go the other route as others have mentioned with various audio shops and mixing and matching various speakers with various components. If you don't really want to be bothered by that and just want one quick purchase and all your immediate needs are met...then CC or BB can do that for you easily.

Once you have a goal in mind...then set aside a budget for what you want to spend up front and perhaps what you might want to invest down the line. I always encourage people to think bigger because over a stretch of time....it usually ends up being better in the long run. Otherwise you invest smaller amounts in junk that never lasts and you end up spending more money replacing the junk and you end up with what you could have spent in the first place on higher end material.