Trying to get audio throughout the house with minimal cost can be quite daunting. Let's get this straight. You have 5 other areas (Bath, Office, Outside, Kitchen, & Dining room) where you want audio. Can any of them be combined so that they form 2 zones; ie. the first 3 and last 2. If so, then a 3 zone receiver with separate amp might work. If not then perhaps a separate system as you asked may be needed. You can get a decent stereo receiver with A/B speaker outs and a 5-disc changer at jr.com for about $200.