For someone starting out I would tell them:
1. Cost does not always equate to quality.
2. Many experienced audiophiles spend much time, effort, and money chasing the last 5% of quality which will give them perfection. Don't worry about this part (yet). Just concentrate on obtaining a well-balanced system. For example, do not pursue esoteric power cords, interconnect cables, or speaker wires (yet). Stick with stock power cords, well designed and built interconnects from someone like
http://www.bluejeanscable.com, and build you own speaker cables from something like these
http://www.axiomaudio.com/bulkcable.html.
3. Buy only gear you can audition (used or new, preferrably in your own home) and/or return for full refund, usually less shipping cost.
4. Check out gear from well established, no nonsense, scientific-based companies such as
http://www.avahifi.com,
http://hollowstate.netfirms.com/,
http://www.thehornshoppe.com/index.html,
http://www.audioc.com/index.html, etc.
5. Call these companies (owners usually answer the phone) and discuss with them your likes/dislikes. They will help you figure out what you're looking for.
6. If money is an issue you do not need to buy a speaker that plays into the 20 Hz region. You can add a (or two or three) subwoofer later.
7. Professional reviews can be used for a starting point and/or as guidelines, but don't buy just on someone's recommendation.
8. Once you get a decent, well-balanced system (sounds good for all of your music), before you spend any more money on upgrades, gear, whatever, the next step will be to address your room (acoustic treatments, equalizer, etc.)