I don't think there is a bad answer here. I will say that if I had the ability to truly bi-amp, and had speakers which supported it, I would go ahead and do so.
The reality is that you are extremely unlikely to make things sound worse, and could get a very small bump in listening quality, especially with any two-channel sources.
This is always the bottom line for me: If you get zero audible improvement, then it's not worth quibbling over. If you already have the gear, and you might get a miniscule audio improvement, then go ahead and go for it.
I think you do understand the silliness of the nuances that are possible here. So, this entire discussion is likely to go off topic, or get incredibly nuanced, but I would do it if it were in my home. Just for the concept of perhaps already having cabling separated in the future in case I decide to add an outboard amplifier.