jonyb, your package solution is $680. That's why I'm asking jasun's budget, that doesn't sounds a budget system to me.
I had the amazing chance to ride and use a Mastercraft X35 for 3 years, with
4x componant tower speakers, 1 JL A sub and 4 coponents in the boat, + 3 JL A amplifiers.
This system is about $6000-7000, and was sounding great, BUT, not as powerful as my actual $600 setup (including amps, sub, tower speakers, in-boat speakers). I surely loose some quality definition, but, nobody hear it as I choose good amps with the right filtering/tuning and "hifi" speakers.
That's just my feeling, you don't need to spend more money to have more sound