In Montreal, whether we're speaking English, French, Italian, Dutch, Spanish, Arab or Chinese Mandarin (and maybe other languages), we say 5 point 1 or 7 point 1.

I've actually never heard someone say 5 dot 1 or 7 dot 1.

but yet, generally people in stores are very dumb on the topic.

I once was at FutureShop (now owned by best buy), and I was looking at their big screen tv's because they were on sale. The guy was trying to pitch me a huge TV that also had 'pure digital sound' built into it. I asked him what that meant and he said 'it's higher quality'. When I told him I had a home theatre, he said 'you can use those speakers and the one in the TV, it will be louder'.
I didn't buy the TV. I just shook my head.