There are still some amps being manufactured with single channel amp modules that will allow you to configure an amp with 2, 3, 4, 5, and sometimes even 6 or 7 channels. The ATI 2000 series is one example. The Theta Dreadnaught is another... although that one might be a little more money than the average person would want to spend.
However, you can purchase a 2-channel AT2002 for $1,495 (mfg. list), and add a third 200 watt amp module for an additional $300 (list).
Look around on the Internet and you're bound to find a few additional brands that will also allow similar customization.
Personally, I do use a 2-channel amp for my main left and right, so when I'm listening to stereo music I get the most out of my equipment (my 2-channel amp is a dual-mono design). I also have a second amp from the same company, so that my center channel will be powered by similar amplification and not sound different as things pan across the front three channels. Works great in my opinion.
However, I think that if you're using a quality amp like the B&K or Rotel you won't really notice a difference on 2-channel music. Some amps, like the ATI referenced above provide individual power transformers for each channel. Others use a single large transformer for all channels... which does mean that there might be a small drop in watts per channel if all channels are being hit with high-power demands simultaneously... which really doesn't happen that often.
When running such an amp in 2-channel mode the transformer only has to supply power tot he two channels that are being utilized, and therefore the chance of running out of juice is substantially minimized.
Obviously the type of music you listen to, the efficiency of your speakers and their ease or difficulty in being driven, the size of your room, and other factors -- like how loud you like to listen -- will ultimately determine whether an amp like the B&K will suffice or not... but I'd bet it would work out very nicely.