A fixed amount can get u more features with less quality or Less features with high quality! u gotta balance it. for 5k u have brand, specs and quality.
if u go for Creative, u can get a high spec 4.1 speaker set. JBL - starter 2.1, may be Altec Lansing ATP3(2.1). so if you want just a 2.1 speaker, go for JBL or Altec Lancing.