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I think a lot of newer budget studio monitors do clever stuff with baked in DSP that significantly improve them over cheap monitors even just 5-10 years old. The manufacturers know they’re being used for general listening and I also think the weighting towards accuracy/imaging over hyped bass and ‘sounding impressive for their size’ means they actually end up sounding much better than the equivalent priced Sonos/Bose/etc all-in-one job - helped by having separated speakers. They’re also often being compared against affordable older hi-fi stuff which may be knackered now or just designed with different tastes in mind.
On that note, I just picked up a pair of Wharfedale Super Lintons for £15 and am assessing options for amping...
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Low end studio monitors will likely be full of compromises, I went through a few before I reached the current setups. If wouldn't expect much change from £4k if you want to get a 'decent' pair or 2.1 set. Something like the Dynaudio Air series second hand might get you there for less. PMC would be more like £6k. You'll get listening pleasure for that money though, that I can vouch for.
I'm starting to look at ATC to replace my large Dynaudio. From this thread I'm tempted to look at Tannoy but ATC have been in my mind for a long time.
Maybe my perspective is skewed after years of being in and around recording studios and having unflashy hifi year at home but; I can’t help thinking trading in your decent hifi gear for low-end studios monitors based on hifi forum chat is silly. Studio monitors are not designed for listening pleasure and the ones linked to above are definitely at the budget/hobbyists end of the market. Keep your dedicated gear!