Hi Susan,
If I were you, I would give a listen to the new in-wall speakers from Joseph Audio. They're not gonna break the bank, but you really should give them a demo, because good sound will really enhance your theater experience. Besides, you own your house, why not buy at least "decent" in-wall speakers?
I know that MusicLovers Audio in Berkeley has Joseph Audio in-walls in one of their demo rooms.
Good luck.