I have never heard of a home setup needing four separate channels of sub out, nor any A/V processors for home use that have more than sixteen channels. I'm reasonably confident in saying 99.99% of users will be satisfied with 10.4.2.
Hopefully there's a software fix for the LF noise issue as in every other respect this looks like a world-class piece of hardware.
More than 16 Channels - Marantz AV10 [15+4subs] as an example, I think even AV20 has 13+4.Emotivas, top of line Anthems …., so pretty common in AVP category.
16 channels is used as it is probably enough to have two DAC boards, 8CH each, similar to MiniDsp or Monoprice [and trinnov, storm too work wiht multiples of 8]
This is CI/Pro processor, so not intended for usual “bit better than soundbar” living room installs, where you are absolutely fine with 16Ch, as you say.
And for such systems, i still think 16 channels is not enough for high performant system [and you should aim for one, if you spend 8k for processor].
9 channels for ear level - you need wides for modern Atmos/DTS:X mixes, especially in uncompressed formats.
4 channels for basic overhead panning [6 is not adding that much value over 4, so 4 is good enough for 1 row]]
And this is for 1 row HT - once you get into multi-row HT territory, you start to add channels like crazy
4 subs for spatial coverage and seat to seat consistency is long established science [Velti/SFM]
so yes, 9.4.4 is basic layout for high performance immersive audio.