Ken
I have lurked around here for 3 months. I searched harman kardon avr every night. The comments convinced me to buy the 525, especially from m00n. Purchased from harmanaudio.com (don't know how to add link) for $430 refurb.
They have a 630 available with 30 day return policy. The 525 is warm with my rf-7's & rc-7 I have had for 2 weeks. Makes me wonder about some comments that rf-7's are harsh on top end. Read on other boards. Anyway, I saw & bought an hk 7200 on audiogon last week for $640 just because I figured at $2000 list it must be better so I returned the 525. Both units have plenty of headroom and are very warm but the 7200 has more power. I won't buy another receiver but I may go seperates eventually. I am certainly no expert & if this post actually makes it to the right place it will be a minor miracle.
JT