Yea, I figured that - it made a huge difference to dialogue in my movies - they came out a lot clearer and louder.
Well I was planning on building a HTPC that would stream both my FLAC music alongside my BluRay and DVD rips. If you're saying I can get by with a 3 speaker system and no surrounds then I'd be OK with going this route. If the surrounds are essential for a good movie experience then it's probably better that I get a network music streamer and stick to a 2.1 system.
Keep in mind that I will eventually be upgrading my living room home theater for a more proper movie watching experience (projectors, good floor standers, etc.) so I don't need the up most sound quality for my movies for a small bedroom.
The rear surround channels are not all that important and can easily be left out in the bedroom system you are assembling. Go with 2.1 channels to start and then add a center channel speaker if you are having trouble hearing the dialog when watching TV and movies.