This is a head scratcher. The OP is trying to convince us to spend significant time and resources on “immersion” to audiophiles interested in “higher fidelity”, 2 completely different targets and experiences that is not related besides both being in audio. I like driving my car which doesn’t mean I’d be willing to put time and effort into drifting, drag racing, etc.
You seem to be content with your stereo (a 90 year old technology), no problem there.
But, some technological advancement from the very smart guys at Dolby, DTS, Sony, Yamaha, etc offered the potential to create high fidelity multichannel/object based/immersive rigs starting around 2014. There are significant costs and a learning curve associated with putting together such a high fidelity rig. It is very very different from the barrel bottom receivers and sht speakers popped into ceilings, which is typically associated with immersive audio in purist stereo circles. But, once, you hear the former, it is hard to unhear it.
For some of us, life is short and we like to experience things like that before the finite lifespan ends.
It is not really a question of finances these days because i know a lot of guys who will drop 80k on a truck clean and easy ( i.e. for a chunk of metal on wheels that will take a guy from point a to point b, whoop di doo). I’ll nix the 80k for a goofyass truck and spend it on such a rig...makes me happier...( different priorities)