I would not recommend either if you are at all serious about your recordings. Consumer stereos are generally “colored” in the low end and somewhat in the highs too. That is to say that they tend to boost the lows more so than what is actually on the original recorded material. They do this on purpose because most living rooms are dead with carpeting, drapes, wooden furniture, etc. If their speakers sounded too bland, not many consumers would fall in love with them.
On the other hand, cheap studio monitors may not be flat. That means that they do not play each and all frequencies at equal volumes. In other words, they are not reliable for a good analysis of your mix. While mixing, you may feel that certain frequencies need cut or boosted and then during playback on another system you find out you should have done the opposite. They can be frustrating to work with.
To get the most bang for your buck, you can always turn to the cans. Some headphones are designed to act exactly like decent studio monitors. They are tested and very reliable at providing a good near-field environment. They reproduce frequencies much closer to flat than cheapo monitors in a poor room ever could.
Some engineers will argue the matter to the ends of the earth. They say you should never mix down in cans. But hey, if you only have $99 in your budget, it works in a pinch. I once used a $99 pair of Sony MDR-7506 to mix and master a song. My friends were quite impressed. It translates beautifully to every stereo system we’ve ever played it on. They sound open, spacious, level, and silky smooth. They are easy on the head and don’t cause hearing fatigue.
I also hear good things about the “Extreme Isolation” headphones.
I don’t know what your budget is but, for $200 or $300, you could have studio cans that will surely blow away any low budget near-field monitor on the planet.