While the math gets very tricky there are just a few things that are worth understanding...
1. Biwiring does and can have an impact on how the electricity flows to the speakers from a single amplifier.
2. This impact is far below the audible threshold of humans so it is completely meaningless.
UNLESS....
3. You are not using the proper wire gauge to begin with, and by bi-wiring you now have the wiring up to a gauge that is appropriate. You've changed the electrical characteristics at an audible level by starting with the improper wire gauge. Shame on you!
4. Bi-wiring just so you can bi-amp some day is fine. If you have 14/4 wire available to you, then 'why not use it' is perfectly fine. Wire is pricey, but in a $10,000+ audio setup, it's cheap and just having it there doesn't hurt anyone.
People get hung up on this for the money, but it's only $80 price difference between 12/2 and 12/4 wire (250') from Monoprice. That's enough for a typical home theater to be very well bi-wired, and perhaps someday bi-amped. Hard to say it isn't worth just putting it in if your walls are open and it's a fresh install of a good audio system. I'm in the 'why not' camp myself, but have no delusions of bi-wiring improving audio performance.