I went with a 3.1 in my apartment building (M22 + EP 175 + crappy center that will be replaced one I get more $$)
I use auralex stuff to help isolate the sound / help keep neighbor complaints down (it actually helps a LOT in an apartment building to have a subdude + mopads. I highly recommend them if you're in an apartment)
When I was at my previous apartment, I had a pair of M60s. (no center, but I never felt the need for one with my m60s)
given both setups, i prefer the M60s by themselves (because i am constantly listening to music), but action movies + videogames sound *much* better with my current setup.
