If you are coming from main stream consumer brands like Sony, Samsung and others then the YHT 196 will amaze you. After a while when you get more exposure to good HT setups then you will be left wanting for more.
Are you willing to build your HT step by step? If you are then in the long run it will be an immensely pleasurable experience.
Just to give you some idea....
A decent AVR runs for 30K, and here you are getting not just an AVR but the entore package in 20K, quality has to suffer.
Instead buy yourself an AVR, pretty much any entry level offering from Dennon, Yamaha or Pioneer world do. Add a couple of bookshelf speakers for now. Later lets say in 6 months times add a center and a sub woofer, this will be immeasurably better than YHT 196.
Look for pre-owned options for bookshelf speakers in the forum, there are some available. Trust me you will not regret the decision.