olds1959special
Major Contributor
I think the best choice is simply getting a used good quality AVR.
A MiniDSP HT will be more expensive and only supports PCM passthrough, which can be annoying especially if you're using a phantom center.
I'm running a 4.0 setup through MacOS, by combining two DACs into one output device. The first DAC feeds a Fosi Amp for my mains and a sub and the second DAC some cheap surround speakers.
This has the limitation that it can only play Atmos content from Apple Music/ TV but it's basically free if you have a Mac and want to try it out.
If you can only play Atmos content, how is that useful? I’m using stereo or mono content to feed the various speakers.