For your listening tastes, you need MOAR POWER. 200W would be more than adequate for me, but I seldom turn the stock Bose system up to 20. A beefy amp for the sub-woofer may be all you need - feed all your 200W to the other drivers.
1) Cars are terrible listening environments. Impossible to get true hi-fi. The smaller the environment, the worse things get.
2) Everybody's ears are different. What sounds good to me might sound like crap to you. Go for what sounds good to you.
3) Clean power (low distortion) is more important than the amount of power.
4) A lot of amps nowadays are better than your ears. Spend your efforts/money on good transducers (eg, speakers) and convenience features. Don't buy the cheapest amp, but going with the more expensive ones is usually a waste of money.
5) Wiring is important. Keep splices to an absolute minimum. Make sure the power to your amp(s) is big enough to handle the big thumps. Make sure your signal wiring is well shielded. Make sure speaker wires are big enough and routed away for noise sources.
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