Hi Adam
Some ideas - get a PODXT or similar. That way you will be able to plug in headphones and play in a variety of styles - from heavy distortion, through jazz, blues, surf and clean etc without disturbing the neighbours. (see the Line6 website)
Also, I believe the 'Roland microcube' is a great little amp that will distort at low volumes and by all accounts sounds great for very little money. That way you could hear yourself play without headphones and the neighbours should still be happy!
Now - please send me your accountant's details
Just kidding.
Cheers.