Unfortunately, the two can be mutually exclusive. Reference monitors are designed to give you an accurate representation of the sound (accurate is both an inappropriate and appropriate word in this case). They are tools designed specifically so that you can hear the things you need to hear, such that you can mix and that your mixes translate well onto other systems. As odd as it may seem, this does not usually result in a nice comfortable sound, like you'd expect from a nice home stereo system.
But, I will say this. I basically only listen to music on my 20/20's and I like the way they sound. It's cool to hear the subtle nuiances of good recordings, and interesting to hear little edits or problems that more forgiving speakers would have hidden. Plus, it's a good way to learn the monitors and the room!
All in all, yeah, I can just fire up a CD through my system and listen to it and I don't think, "gosh, I'm listening to reference monitors"....I'm just listening to some tunes, and more often then not it sounds pretty excellent. You won't have that low poppin thump "forget about every frequency over 300hz" crap that you'd get from a typical home system, but you'll get over that craving when you turn 15
This is all subjective...some monitors may sound better than others. I think if you're into recording, you will thank yourself for getting monitors instead of stereo speakers in the long run. It's not a problem listening to music on monitors (um, they're designed for it), but it can be a problem turning out good mixes on hifi speakers.
Again, I use Event 20/20 passive monitors which go at around $300 a pair...pretty cheap but not the cheapest. Despite some people thinking they lack bass, I think they are very well-rounded and tight. There are lots of other brands/models and I'm sure others will chime in with some suggestions.
Whatever you do, I would not recommend a Bose system unless you are not going to mix on it.
Slackmaster 2000