A decent HT setup doesn't have to break the bank, aside from the more well known large companies like Pioneer/Klipsch there's a couple of good online ones that have some great speakers and subs, SVS and HSU are two examples. SVS lets you have 30 days trial and gives you free shipping both ways so it makes it easy to "try" the setup you want without having to lose money if you want to return them.
As far as wires go, it doesn't have to look sloppy. You can run them through the wall (if you are able) or you can use things like raceways (
https://www.cableorganizer.com/surface-raceways/) that you can run the wires through if you don't want them exposed.
For me I simply run them along my baseboard and have them tied together with some velcro straps (so you can easily undo it and move them if you need to) so there's no lose wires anywhere to step on or anything.