The surrounds will still give you a level of immersion you won't be used to, even at low volumes (I'm assuming low means standard TV watching volume rather than whispering!). Wouldn't worry too much about the sub as you could either turn it down or just not even have one and get a decent set of standmounts / floorstanders for the fronts and let them handle the bass.
Billy Corgan: "Billy Corgan, 'Smashing Pumpkins'."
Homer Simpson: "Homer Simpson, smiling politely."