no la, dont think hi-fi gonna burn you unless you are into changing system every year. I've been very happy and satisfy with my ~3k system for the past 3 years (cant say that for cameras :bsmilie: )
I actually spend much more on CDs and vinyl than my entire system (including an ex-sytem). A good system without good CDs is nothing, like dethangel mention, know the kind of music you like and get the system that best fit the sound. I know pple who spend thousands but the CDs they played are those techno-craps ;p
last word, spend more time reading up on improving your room acoustics, speaker placement, seating position, etc.. than worry abt your system.