By the time you can afford Krell speakers, you’ll have AM radio ears.
This is the grim reality of high fidelity. It’s a race against declining high-frequency hearing.
Here is a very depressing pair of charts. Look at frequency perception at older ages.
Therefore, if you are over age 20, the first step to take in putting together a high fidelity playback system is to test your hearing. The Web makes this easy.
First, see what a group of mixed-age people can hear. If there were no females in the group, it would be even more depressing. Women retain high-frequency hearing for much longer than men do.