Some single channel amps are very versatile and sound amazing:
Splawn Competition
Roccaforte Hi Gain 80
Those are the first two that spring to mind. They will both do metal with insane amounts of tone!
I'd add cornford to that- the clean with the guitar's volume rolled down sounded better than it dialled in for clean- and then with the volume up, you have awesome distortion. Soldano avenger is similar (ish).
what type of music do you play?
I'm not sure i agree with the "clean amp with pedals" idea- i'm not saying it doesn't work, but generally speaking, what you want for great cleans (open-backed cab etc.) is the opposite of what you want for a great distortion. It does depend what you need more of, and I'm probably biased as i'd rather put up with mediocre cleans than mediocre distortion, but i'd prefer to sacrifice the cleans to get a better distortion. Especially if you'll be using distortion, say, 80% of the time. And those amps i mentioned (and i assume the ones ben mentioned too, just i haven't tried them so can't recommend them) clean up really well with the guitar volume knob. That cornford hurricane i tried had just about the best cleans AND distortion i've ever heard.
Just be careful with the finance, by the way. If it's 0% and you're sure you can pay it off, fair enough. But unless it's for your job, i certainly wouldn't want to be getting into debt over an amp, of all things.