You don't have to be an 'audiophile' to appreciate the difference between something like the T20 and the AV32. I think you do need to be able to appreciate good sound though, which is not necessarily the same thing.
Audiophile is a term that's too often used. It really only applies to those who obsess over getting the best sound quality they can and are willing to pay ever increasing amounts of money to get it.
There was a thread a few years ago where someone was asking whether to get T40 or AV40. A guy replied who had the T40 and his dad had the AV40. His dad was more into music so thought the AV40's were better. His son not so much and said he thought both were fairly equal.
Probably similar case with the T20 and AV32, but with the T20 being out of the equation, that leaves the T10, which really aren't going to be a patch on the AV32, even if they are half the cost.
Switch on the back is inconvenient, but it's par the course with these type of speakers. For speakers with power switch on the front, you'd be looking at PC ones only and limited maybe to the Creative T10 (due to height restrictions).
I suppose I better mention Bose Companion 2 III, just because they fit the criteria. They are under 20cm high, have volume control power switch and are less than £100, although £10 more than the AV32.
Bose speakers are somewhat marmite though. Some people like them, some think they are overpriced and better sound quality can be had elsewhere for the same money. I'm in the latter camp, so I'm somewhat loathe to bring them up. I'd certainly suggest the T20 over them for £30 less, if it weren't for the height issue.