I recommend 5.2 instead, with subs positioned according to the Harman research. Then your bass response should be good for several listeners and your AVR's XT32 integrates dual subs well.
Also check that the centre speaker will be ok for the spread of your listeners - horizontal MTMs can give poor performance for the outer listeners.
A recent research paper found little advantage of 5.1.4 over 5.1 for movies:
AES E-Library » Influence of Changes in Audio Spatialization on Immersion in Audiovisual Experiences
Understanding the influence of technical system parameters on audiovisual experiences is important for technologists to optimize experiences. The focus in this study was on the influence of changes in audio spatialization (varying the loudspeaker configuration for audio rendering from 2.1 to 5.1...www.aes.org
Here are few thoughts about Atmos from personal experience as I just mounted in-ceiling speakers. My room is far from perfect as it's just a regular sitting-room with a lot of "bad" surfaces. You can see my setup in the signature. I was installing in-ceiling speakers kind of blindly, as it was way after construction was completed and in the end I think I put them too close to each other, but the effect is still quite nice, at least for MLP. I'm mainly watching action movies on Netflix, Apple TV, Amazon or BluRay and I'm very happy that I went through all the difficulties installing it. There are lot of sound coming from top speakers. But I agree that it makes sense to invest more to base layer and add top speakers later. Maybe just cut the holes, run cables and add it later? I'm using Focal speakers and it takes minutes to install it once holes are cut. I've started from 3.1 and gradually moved to 5.2.4 No way back to 5.1 now