On the one hand, speakers represent a much more important aspect of sound quality than just about any other gear. On the other hand, a car interior represents significant barriers to optimal sound quality, more so than most rooms in a dwelling.
Moreover, sound preferences (as opposed to measurable objective characteristics) are highly variable and subjective—only you can determine the value of any changes. I have the stock audio system (no more H/K systems available on SMLR by the time I bought mine) and I do find it mediocre. And, on occasion, I think about swapping out the speakers (that’s as far as I would go though—gone are the days of a simple install of a Blaupunkt or Alpine cassette head unit in my cars 25+ years ago). But I think I’ll give it some more time. I’ve been tweaking the audio settings and approaching something adequate.
If you do make changes, good luck.