The question posed can't readily be answered - there are too many unknowns to give an honest response. It really depends on your room size, shape, and what you want from your system.
First of all a correction - whilst it's true we're most sensitive to midrange frequencies, the balance between bass and treble is extremely important. For example, if you have a great frequency response in the highs, but you have no bass, your brain will tell you that the sound is too bright. Similarly, if you have some bass, but it's not loud enough, but you have way too much absorption in the high end, the room will sound like it has too much bass (at least according to Toole and Olive). We feel most comfortable when the bass and treble are balanced.
That said, there are considerations to make. If your sound system is designed for movies, especially action flicks, you need a lot of low end (<20Hz). Maybe you want to feel your bowel resonating when there's a big explosion on screen. In that case, you probably care more about low-end extension, than good directivity.
On the other hand, if you mainly listen to music (with the possible exception of electronic music perhaps), then you don't really get all that much sound below 40Hz - something which a modest sub can handle just fine. In that case, your priority will be speakers with good directivity and a not-shit frequency response that can be EQ'd easily.
So is 2.0 better, or 2.1? Depends on the room, your needs, etc. It's kinda like asking whether chocolate or steak is better - it really depends on where you are and whether you want dessert or dinner. A better approach is to state your situation, your budget, and your needs, then solve for x.