OK how about this:
I agree that a sub will make a difference but not right now. $$$$.
You are right, I don't want to scare (annoy) people 3 blocks away, Id rather have clean sound.

The question now is how to configure my amps.
That Alpine amp is rated correctly on the Alpine site and at Circuit City (wher I originally noticed it) but I've seen a couple of bad reviews about the V-power Alpine amps. Seems they are low end and are weaker then what their rating suggests.

So,

Based on all you great advice these are what I'm starting to consider. I'll keep all my speakers, I will use my "dinky" Pioneer 28w rms to power the front components and then get this amp to power the rear 6x9's:

http://www.etronics.com/product.asp?...02&showspecs=1
or
http://www.etronics.com/product.asp?stk_code=roc201s

I can also get a 4 channel amp that can go 3 channels later on for a sub and fronts and at that time put in my Pioneer amp to power the rears.

http://www.etronics.com/product.asp?...04&showspecs=1
or
http://www.etronics.com/product.asp?stk_code=roc300x

I like the MTX that you mentioned but it's Distortion is a little on the hight side. The Orion seems like a monster, Military specs can't hurt. 62w x4 could kill all my speakers quicker. Can my speaker handle 62w rms? My 6x9's are rated at 40w rms and the Altecs are (I think) about 30w rms. Overkill for these speakers? The features are pretty impressive. What do you think of the two amps I had picked out? I've heard good things about JBL and Rockford, they are also cheaper at Etronics.com.

Why would I need a sub box for the components if I'm installing them up front? Please explain.

I do like to have good rears. Although I know the front sound stage is much more important. I think the rears add depth.

Tell me what you think of my two options and amps I choose?

Thanks everyone for your help so far.