Final Thoughts/Advice?

[MyKill Myers]

Upgraded from a Samsung HTIB - HT-AS720ST over the past 2 years with a ton of help from the friendly people on this site but am just about out of funds and need to put the wallet away for a while . I had a limited budget to begin with as you will soon see. I am running 7.1 with monoprice 14 gauge wiring, monster sub cable and the following:

Onkyo TX-SR705 100w/channel @ 8ohms (Recommended Amp Wattage) (My Frequency Setting)
Polk Monitor 50 (20 - 150w/channel) (Freq 60 hz)
Polk CS1 (20 - 125w/channel) (Freq 70 hz)
Polk Monitor 30 (20 - 100w/channel) (Freq 80 hZ)
Klipsch Sub 12 - DIY Riser (300w) (120 HZ)

I've read some really great threads from some very friendly, knowledgable people on this site and would really appreciate any final thoughts/advice anyone could give me. What has me curious is all this talk about having a separate amp power the front stage, bi amping and frequency settings. I still have a lot to learn and while the thought of an amp powering speakers make sense to me, I wouldn't know what to buy and wouldn't want to throw good money at bad equipment.

I feel as though while it maybe a step up from HTIB, my setup is a very basic, budget friendly set up and separate amp(s), bi amping, etc wouldn't really help me. That type of stuff is for the big boys with big $$$. I guess what I'm looking for is some final thoughts/advice so I can spend or save my last couple of hundred I can put towards HT and then put my wallet away for a few years knowing I'm getting the most of what I already own. It eases the mind/pain a little, if you will. Thanks in advance.

Marvin