For me, when I used a AVR receiver, I would play music with what ever setting I wanted that sounded the best. There are not rules. It was fun for live performances to use all 5 channels or at least 3.1. Usually though, just 2.1. Now that I am just 2.1 (or actually 2.2) with no AVR, there is no center channel for music. The imaging takes care of it all to present an audible soundstage.