smudge, firstly, IMHO stands for In My Humble Opinion.
In my humble opinion, you can't beat a 10-stack changer in the boot. I've never had any problems with mine at all, but I did get an extremely good quality one.
The other option (presuming it's music storage amounts you're interested in) is to get a single CD stereo contained in the dash, as you said, but make sure it can play MP3s. That way you can fit several albums onto the one CD, which can be put into the main interface in the cockpit.