I did an in ceiling 5.1 installation using Gallo's, a small Velodyne sub, and a very inexpensive Panasonic switching receiver. I found the results very impressive considering the budget. I can only guess by placing those drivers at ear level would be a much greater improvement.
You shouldn't be so quick to dismiss 7.1. The matrixed surround effect is worth the effort down the road.
You shouldn't be so quick to dismiss 7.1. The matrixed surround effect is worth the effort down the road.