I like stereo as is too, it's just more fun to have a little surround when people are over. And I actually think prologic II is half way decent - at least much, much better than prologic. It's especially good with hip-hop or R&B, with lots of surprisingly good rear channel result.
I actually have a laptop - gateway m505x - believe it or not, the onboard AC97 codec has native 4 channel output (line-in doubles as rear, also front can double as S/PDIF out), so I can actually get prologic II through PowerDVD 6. But of course it's not the best player in terms of usability and playlists. I also have a Audigy 2 NX, but CMSS really sucks in my opinion, pretty much in the league of prologic.
I was looking at Creative's own little-known DDTS-100 decoder. It looks to do the job, with prologic II and tons of input/output. BUT, I am pretty sure it only supports 5.1/7.1 setup, and with my promedia 4.1 I'd loose out the center channel which is unacceptable.
I even thought about getting a cheapo receiver with prologic II, but then that really doesn't make much sense at all.
Probably the only solution is use the laptop and powerdvd...

Or get a new speaker setup, but that's not gonna happen.