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I am not rich, I do have to pay rent, I do have to pay car insurance and I do have to pay my other living expenses.
Really? Because I'm a trust-fund baby who lives in the fully paid-up family mansion and gets his car insurance free because we own the insurance company. I have staff to pay my other expenses. Who let you in here?

I'm a state government employee who has a mortgage to pay, plus car and homeowners insurance, and condo association fee, cable, electric, phone, etc. But I do have a certain amount of disposable income, and I can choose how to spend that. You have a pool table and a games room. A lot of people would consider that a rich person's luxury.
In a world of $500 smart phones $300 game systems and $200 sneakers, it is hard judge what is "expensive". Depends on the person. I would not spend $500 on a phone (or $75 a month on a data plan) because I use my phone to make phone calls and I prefer to use a computer to surf the web. But I have friends who love their iPhones. We have different priorities. They actually watch TV shows and movies on those crappy little screens, which I wouldn't do in a million years unless I was following a live news stories, and noner of them has what I would consider a decent sound system at home.
You asked if the stuff you were looking at would provide quality sound, and Ed told you the sad truth and gave you the lowest-price alternative that would get you quality. Since you only gave the prices for what you had looked at, and didn't indicate that this represented your budget, Ed had no way of knowing if his suggestions were realistic for you or not. Why bite his head off with this "I'm not rich" stuff?
You came to a site called "The Home Theater Forum". That should have been an indication that the people here consider the quality of the sound and image that they get from their system is a priority. This is where we choose to spend our disposable income, so yeah, we're apt to suggest something more expensive than speakers made of fiberboard, just the folks at "Smartphone World" would probably suggest more expensive phones than my four-year-old Moto Razr.
If your budget is $200 or less, then realistically you're not going to get a quality system. $200 will buy you a decent entry-level receiver, an OK pair of front speakers, a pretty good powered sub or a very good upconverting DVD player. (In fact, it will get you a very nice Blu-Ray player.)
Your choices are some pretty cheesy new HTiBs like the ones you've looked at, or something from the used market. Even there you may have to spend more than $200 for a used Onkyo or Denon HTiB, Since none of the systems that I've seen in your price range include a powered sub, you're not going to get that real bass "punch" from any of them. If you'e looking for "more volume and clarity than the TV speakers" either of the systems you're looking at will do that. If you're looking for "quality sound" then you pick a system and start saving for it. Because you can have cheap or you can have good, but you can't have both.
Regards,
Joe