Plain ole user
I think it really depends on how one listens and the speakers. Frankly, I have found my Onkyo receiver to be fine for my HT system, but I rarely listen very loud. I have an amp driving the subs and can play the system loud enough that the rattles in the house become the limiting factor. I run the 2 channel system full range, so it would be more of an issue, I think, but I have components for that system anyway. At some point I want to do some blind comparisons with the Onkyo and my components on that system.