I got a 4.1 setup and found it was pretty much IMPOSSIBLE to setup for the above reasons. I ended up just having two speakers on each side and placing the unit into stereo mode.
(and actually getting SURROUND properly calibrated once everything is PERFECTLY positioned is also hard to do.)
Also, unless you have a high budget, i suggest getting better quality STEREO or 2.1 (stereo plus Subwoofer) for the same price. 2.1 is probably the best choice.
(wires aside, you don't want CRAPPIER sound just so it's in surround. You need about 4X the budget for good surround)
The Logitech Z533 may be a good choice for your budget.
http/www.e-shop.gr/logitech-z533-21-multimedia-speaker-system-p-PER.575217
The Z623 is really great but about twice as much money.
You may want to ensure it has some or all of these features:
a) headphone jack
b) easy access OFF switch
c) easy access VOLUME knob
d) auxiliary input (3.5mm input from music player etc)