I had an ok system in my older Neon, Blaupunkt CD headunit, Pioneer 6.5's and 6x9's in the stock locations with the factory dash tweeters, and the 6x9's were powered by a 4x50 w Blau amp. Went as loud and hit as hard as I needed it to, and I very seldom if ever listened to any jazz, folk, or classical while driving, mostly just good old fashioned rock and roll. Then the car got broken into at work, all they succeeded in doing was messing up my faceplate (rank amateurs), but about that time I was starting to get into racing anyways, so even though I got a new Blau headunit from the insurance company, all I have now is the stock cassette deck and the two door speakers, and the rest was left out for some weight savings. I am very happy just listening to the radio now, and noone has any reason to break into the car.
Our new Neon came with an acceptable sounding cassette deck and six speakers from the factory, and I was going to put the new Blau headunit into it, but for safety sake, I just got a Kenwood CD changer and mounted it out of sight, under the seat, and got an adapter box for the stock stereo since it has CD changer controls built in (no FM modulated changer for me, tried one, didn't like it). I would've been happy with the stock system, but for long trips the changer will be nice.
Our Volvo station wagon that we got used several years ago already had a Sony CD headunit in it, so I left that and installed new front door speakers, and have new rear door speakers waiting to be installed out in the shop.
One thing that has caught my interest is something I read on (I think) Minidisc.org. Someone had put an amp and speakers in a car, but had no headunit. He somehow hooked up his portable MD player to the amp (or you could do PCDP, cassette, or MP3) and then just carried his portable source with him, and there was no danger of theft. It would certainly cut down on costs for separate headunits for each car, but wouldn't be as convenient. What I'll probably end up doing is getting an inexpensive CD headunit that still sounds ok, and has an 1/8" stereo input jack. That way I can easily hook up a walkman for books on tape, or MP3 player for long trips, while still having my two most used sources available and convenient all the time, CD and radio.
-Keith