Hey I have a 95 Ex coupe also. I put in an mp3 player about a year ago and I like it but it skips if you hit a bump too hard. I have the Awia mp3 player and it provides 45watts by 4 speakers. Also I replaced all the factory speakers with pioneer 3-ways. Their nice and provide decent bass but not like the mtx's and punch 500 I got in the trunk. If you have a burner then an mp3 player is the way to go because I can put like 200 songs ona cd easily. Theres only one problem, You have to scroll through all 200 songs individualy. It takes 100 clicks before I can get to song 100, thats a lot of clicking.
Oh well, overe all I like it.
But like the others, I would wait till you can afford good speakers before you go buy more cheap ones to replace you ractory ones.