P.S. You're not crazy at all for sticking with two channels! We are Stereophile, after all.
Ironically enough, "stereo" is defined as two or more speakers, not just two, though "stereo" has garnered a colloquial meaning of two channel over the years.
stereo |?ster?-?; ?sti(?)r-|
noun ( pl. -os)
1 sound that is directed through two or more speakers so that it seems to surround the listener and to come from more than one source; stereophonic sound.