I think I probably agree more with Dom than most other contributors, although all are well argued.
No 1 in order of importance is the TYPE of speaker likely to suit the acoustics of your room. This is far more important than the brand, as some types may be much better (or worse) than others in your room. I learnt this to my cost a couple of years ago and had to re-sell a costly pair of speakers of the wrong type for my room. The type of speakers also affects some of the important features you can expect from the speakers - your favoured type of music, imaging, size of sweet spot, required distance from walls, etc. Once the type of speaker has been decided upon, then do what rabski suggests, but DON'T ignore it. Read ONLY reviews from respected reviewers / magazines (ignore most upstarts making Youtube reviews - and of course What HiFi)) and visit showrooms, shows, etc, but all this only to make a short list of possible speakers that MUST be home demo'd first.
Don't buy speakers that can't provide the bass you want. Adding subs is a bodge and thinking "I'll buy this affordable speaker now and add or sub or two in future if I need more bass” is not efficient or likely to give the quality of sound you hoped for initially.
Budget about 75% for your speakers if you are content with streaming. Including vinyl means you have to seriously compromise on everything else as a TT alone that will match or better streaming will gollop half your budget and you'll end up with mediocre speakers, etc
The right speakers (matched with your room) are essential and there are incredible differences. Once speakers are chosen, the amp will make some difference but a fraction of what the speakers add to music satisfaction. Home trial a number of carefully chosen short list amps and you may well be surprised that one amp wins out on your speakers rather unexpectedly and (if you are lucky) at much lower price than you feared! I auditioned 12 amps and chose one that was far from the costliest and much to my surprise it was a Class D.
The source device may be virtually free (if streaming from Qobuz or Tidal), but colossally costly if vinyl is required that will match the SQ of streaming. Unless you are spending a huge sum on your hi-fi, avoid vinyl. CD isn't costly if all you need is a transport - ie your amp includes a DAC. As streaming offers everything you have in your CD collection (and you don't need to leave you chair to change the disc), think hard about investing in CD playback. If you really want this (as I thought I did) then get a CD player than can alternatively rip your CDs and store them on its internal hard drives. I have such a device but rarely use it in favour of streaming.
So that's me done - buy the very best speakers that you can afford that offer the sound quality (including bass) that you need (75% or so of budget) and spend the rest of your budget on an amp and streamer. There are a few first class all-in-ones around (25% of budget) that will not limit the potential of the costly speakers.
Bonus of this plan - no cables, no extra cabinets, amps and drivers (in subs) to have to pay for and no loss of floor space so improved WAF. In 5 years, maybe update the all-in-one to latest technology, or even go to separates if you really think these will better a top all-in-one. But your well-chosen speakers will still be offering thrilling sounds in 15-20 years.