Yes buying speakers can be overwhelming, but I would say mainly due to lack of information in researching what to get, and myths perpetuated due to people not having an understanding of audio. Here are some clarifications:
-It is a myth that a set of speakers or headphones is better for gaming, music, movies, or whatever. A good set of speakers does not colour the audio (has a flat frequency response curve) and reproduces everything properly. A speaker should do everything equally well.
When a speaker is "good for X" it means that it has poor performance in a frequency range, or exaggerated performance in a frequency range. This by definition is a bad speaker.
-Gamers perpetuate the myth that $200 or more is "expensive' for a set of speakers, when in fact it is entry level for anyone who knows anything about audio. Most "PC speakers" are bad quality, and a waste of the $50-$100 or more that they are priced at.
Essentially a PC can leverage a home theatre system BETTER than a Blu Ray can. When the abilities of a $5000 (or more)home theatre system is being leveraged far more by a well designed PC game, why are PC gamers considering less than $200 as good enough? Because there is a lack of information and myth busting out there. Many people in home theatre say that diminishing returns for home theatre starts somewhere between the $5000-$10000 point, just to give some perspective on where increasing your budget from $100 or two will get you.
-Next is changing the gamer mindset. Gamers are conditioned to think of harware to be replaced every few years, and to look at prices as such. In reality, speakers and headphones will last decades, and should be one time purchases. It is better to save up and spend as much money as you can on as good a set of speakers as you can, and be grateful with that decision for years to come. Upgrading speakers every few years is expensive, and you will always be left with a collection of bad speaker sets.
With all that said, I would recommend thinking of spending at least $500 for a set of stereo speakers. You can add on a sub and surround channels after that if you like.
My next recommendation is to not look at anything made for PC. Go to home audio stuff instead. Monoprice is an exception with some decent budget audio gear.