I've never subscribed to any sort of "ratio" when it comes to complementing my amp/preamp or integrated setup, but retrospect relates that I've spent far less on speakers than the aforementioned equipment.
Then again, I've been fortunate enough to purchase various Thiel models used, a couple Von Schweikerts, and more than a few others which were obtained at fractions of their original selling prices. Which, if calculated at their original prices more or less has me on par with my amps, etc.
I like Thiel first and foremost, followed by Magnepan, Usher, Von Schweikert, Totem, and Dynaudio. Some were expensive , some were not - my wheelhouse thus far has been around $4000 for new models, and I think once you hit this mark the rewards diminish precipitously.
Does a $10,000 speaker best a $3000 speaker? Maybe. Perhaps. But the performance increase - real or imagined - comes in much smaller increments as you move up the ladder.
Given their relatively small footprint Totem speakers are pretty damn amazing. Same can be said for Maggies - albeit with a larger physical impression. For me, it's Legacy Thiel.
Don't fall into a trap with a ratio. There are truly so many very good speakers to be had out there that price alone cannot introduce you to.