What do you mean quiet? The surrounds are? That would be somewhat normal, they're for effect/ambiance for the most part. What sound mode are you using to upmix to 5.1? I'm not up on Yamaha terminology but seems straight is like direct so makes sense you're just in 2.0 at that point, standard would allow an upmixer? I assume it offers Dolby and DTS upmixers and maybe one of its own?
Is 7.2 stereo just the all channel stereo mode, no actual surround matrixing? Sends L/R to main & surround L/Rs and sums the info for the center? Often called a party mode and probably where you'll get the most output from surrounds. Not sure what you mean about the bit on keeping separate level configuration....
ps Have you reviewed your manual for what each sound mode does?