For all music, I would go with just a 2.1 system for now and save my money for when you get into a home theater environment and then get an even better surround setup.

Yes, there are advantages that many people enjoy when listening to music on a good surround system but depending on your budget, you could get probably better musical sound by putting more money on a good 2.1 setup than by spreading it out thin on a 5.1 setup.

Just another angle to consider depending on budget.

With great power comes Awesome irresponsibility.