The most affordable solution coming soon is the JVC adapter with dolby headphone then all you would need is headphones, but it would seem that in my experience higher quality headphones will give you a much better sound.
Pioneer Dir800c is the most affordable best solution I can think of, my friend is using them with DH2 and he is totally floored with them and from what he tells me his earing is a slightly impaired as well.
In the past I have done listening tests with dolby headphone in basic dolby surround and it does a good job at that, depending on the right setting for the right surroundings. I am sorry but home theater has its flaws as well, who has the time and money to completely rebuild and redesign their bedroom or living room just so they can set-up their over priced state of the art home theater system, if they got the time then they can go for it with flying colors. But not many of us have this priviledge and have no time wasting their prescious working days off waltzing with a set of speakers that keep making you more and more obssessed with getting them to sound better. I've spent 9 years of my youth trying to discover the matrix of how surround sound works in basic rooms some with bad accoustics at that. Now using dolby headphone and my receiver manual I think I have it setup propperly but am convinced that the right corner needs acoustical treatment behind the right rear channel which sounds to wet and muddys the tone. Wow what a challenge the whole things is.
DH simply slaps it on the table with two headphones and says, you god'da hear this!
It is just as spendy as HTIB, but so much easier!
Dolby Headphone brings you a bit closer to that acoustical plain of surround sound bliss, where all the channels sound in the correct tone. I have noticed this, I didn't notice this with a pair of matching speakers from front and back, its obvious that bad acoustics tend to change the tones and make them sound unique in each direction giving you somewhat uneven sound balance. DH has this advantage making each tone in each direction sounding identical with one another so the surround nuances are so perfect they almost seem magical. I could not even make this happen with my system using identical speakers due to the slightly poor acoustics in the room. With DH your worries are over, just enjoy the experience, and the better height dimension as well