I'm not looking for movie theater quality sound. Just something so the sound will be closer to me ears really. Surround sound would be cool too. I think $400 tops is what I'm looking for. As long as the wireless won't be "crackly" like a bad radio station then I'll be fine.
In a surround sound system the rear speakers generally only play special effects so having them closer to you will not make things sound clearer to you. I would suggest that you get a good pair of stereo speakers and a surround receiver. Hook up the Bluray and TV to it and set it to stereo. Place the speakers close to you to give you more clarity. You can always add the additional speakers later if you want them.
Also the center speaker which will produce the dialogue will add clarity so you can also set up a 3 channel system (sub woofer would make it 3.1)