The general rule here is to look to the source format. If the music was recorded as stereo (and most are) you are best off listening in stereo. To my knowledge, none of the systems for synthesizing additional channels bears scrutiny! However, as background music, it probably would not be a major issue.
What do you use for your source material? Are you streaming from a music service like Pandora or Spotify, etc?
If so, I am very happy with my Amazon Echo based background music solution. In the morning, I just say "Alexa, play Pandora on my everywhere group" and I have music playing in 5 rooms. All you need is a $30 (if you wait for sales, $50 worst case) for each room to distribute the music. Each dot has a 3.5mm mini-headphone jack which feeds into AVR/amp/pro audio monitors/PC speakers.
For effortless all-day music it is hard to beat. "Alexa pause - Alexa resume" or "Alexa mute - Alexa unmute" handles phone calls (my background music is not especially loud, but it is not "corporate office subdued" either
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). The volume control is specific to whatever room you are in (or, more specifically which ever unit hears you),so, in the case above, "Alexa mute" only mutes the speaker(s) in the room with you, while "Alexa pause" silences the whole house.