My simplified 'general' guideline from years in this hobby:
1. If you have a speaker now:
a. if sensitivity is 85 db and below - High powered amp is needed - say 100 watts and above
b. if sensitivity is 86 - 93 db - Mid powered amp is needed - say 40 - 100watts
c. if sensitivity is 94db and above - Low powered amp is needed - say 35 watts and below
2. If you have an amp now:
a. if the rated rms power is 100 watts and above - look for speakers w/ sensitivity of 85db and below
b. if the rated rms power is 40 - 100watts - look for speakers w/ sensitivity of 86 - 93db
c. if the rated rms power is 35 watts and below - look for speakers w/ sensitivity of 94db and above
Take note the above is a general guideline only and not absolute. Amplifiers and speakers need to be matched. In my experience, having a powerful amp (above 100watts) will not match a highly sensitive speaker, in such a way that the sound coming out of this speaker will be of low quality and will easily be distorted. Volume at 8:00 will be too loud and the sound will be all over the place.
In reverse, pairing a low power amp (say 25 watts and below) into a low sensitivity speaker (84db and below) will also not match. The low power amp will not drive the speaker to put out all the frequencies from a music track as the amp is not able to have full control of the driver.
With a general guide like mine, you are able to narrow down your choices wisely. The next thing to do is read, audition, borrow and attend sessions with the community and learn how a particular brand or type of speaker sounds considering the type of amp used with a particular speaker.
With patience and perseverance you may be able to acquire the amp or speaker that you prefer without changing in the next one year or so (but not absolutely guaranteed .....
). In that way spending is controlled......
Just sharing my experience in this hobby.