Thanks everyone for the help.
Replying to what mosdef said, I was using a blanket statement. DVDs will not or are not the only media with soundtracks encoded in ac-3. There are DTS CDs already out, but then you need a DTS decoder, Dolby Digital will not work.
Replying to what AMB said, I think that you are referring to the DVD audio disks. They are already out, you can buy a very limited selection of music (growing) and there are like 4 players out (JVC, Panasonic (another by Technic), Denon and Onkyo). However, I am sorry to disappoint, but first thing, DVD audio (in 5.1) is not compatible with regular DVD players/DVD drives. Now most of these DVD audio disks have both a 5.1 and a stereo soundtrack. I have heard that the stereo is readable by DVD players (do not know if they are compatible with DVD drives). I haven't heard of any DVD-audio drives though. I have heard of car DVD-audio head sets, but no computer solutions. You have to think that the Recording industry has a great disdain for the computer at this time because of the MP3, and they probably are not interested in having pirated versions of the 5.1 (96kHz sampling rate, 24 bit) or stereo (192kHz sampling rate, 24 bit) being let out. I will clarify though, I am not saying and I would be a fool to believe that there will never be a computer solution because I think that computer solutions are considered essential, however I do not see any of these solutions on the horizon right at this point. If anything, they will wait until they feel secure about releasing it.
So as far as I can see, the only way to at least play 5.1 right now is to buy a receiver with 6-external inputs ($500-4000) plus speaker set ($800+) and a DVD-audio player ($500-$1500). I will clarify for the 6-external input jacks, these DVD audio player have onboard decoders and they send the 6 discrete decoded channels to the receiver so you need at least 6.