ScottH:
In general for 2 channel audio, the vast majority do not go for a subwoofer. This is due to a few reasons.
Subwoofers tend to create a "muddy" bass response, unless purchasing a high end unit, the sonic performance can often hinder rather than benefit music fidelity. The bass produced by floorstanding speakers can be more controllable, less overpowering, and I feel all the frequencies tend to amalgamate smoothly.
Subwoofers generally integrate better with a home cinema setup. By this I mean a 5.1 or a 7.1 etc home cinema amplifier and a set of 5 or more satellite speakers. Such home cinema amplifiers are more specific to movies, and the subwoofer provides all the low down grunt required for the explosions and the sound effects.
I feel that if you want to go for music and a 2 channel setup, you are best suited to purchase floorstanding speakers, as they produce a more complete soundstage, than opting for 2 standmounts and a sub. Ive had many configurations in the past and floorstanding speakers offer alot more bass than standmounts, yet my previous standmounts were fantastically musical. I bought the B&W CM7s as I found the midrange drivers offered alot of the attack and accuracy of my previous standmounts. I love them to bits
I have read a few threads on this site that praise the introduction of a sub to a 2 channel setup. Like I said before, everyone to their own.
You should go on what you hear, not what you have heard. Your decision should be the most important, I hope this helps a little.
You should take time to read reveiws on how to partner seperate systems, how certain speakers match certain amplifiers...its all a learning process, but the rewards are huge. I listened to music I had for years as if it was new, a good system opens your eyes to how good music can sound again.
Thankyou for that insight