Regarding your brand of amp, I have SoundStorm Labs 5X7 speakers in the back dash of my car. I've never had any trouble out of them. I overpower them every day with a 460 watt amp at full gain, and I haven't blown them.
Ask your local dealer how much he wants to bench the amp, for $5, you could get peace of mind about how powerful that sucker really is. Or you could try it yourself.
I know all about having no money for anything, sometimes $5 now will save you more later.