If you are listening to music rather than making music better quality home speakers are the way to go.
Although monitors are supposed to be for professional use just because the maker calls it one doesn't mean any pro would use it.
Also monitors do have their own measurable and audible characteristics, they are not really neutral. Often they expect the user to have considerable EQ available, will use them in the near field (like your would on a desk) rather than far field (like in a music or home theater system).
They expect you to need really high output levels to mix on so very often the speakers don't sound the same at low volumes. Higher quality monitors (such as Focal) do sound good at normal levels. The user is also expected to know the flaws in the speaker and mix around them.
The speakers used for mastering are usually high end audiophile speakers that can bring out any flaws in the recording process.