You are going to spend all that money and not get a SSD?
If you want 5.1 or above I would just hook it to your surround system in your house. It will be too loud for in a single room unless you keep the volume WAY down and lose the effect of the multi-channel surround anyway, so put it in the main room and have fun. If not, then just get a good pair of headphones as you will just piss other people off with the volume you need to get the true effects of surround.
Also, playing on a nice big plasma screen is orgasmic
well when the wife lets me LOL