Hi Dan,
Almost every type of home audio amplifier (whether receiver, amp/preamp, or integrated), will have converted the signal from PCM to analog before the power amplfier's input stage, so there won't be any degradation with feeding PCM from your PS3 to a receiver or amp/preamp combo: they're all analog signals by the time it reaches the power amplifier stages, whether internal (receiver, int. amp) or external w/ RCA cables, etc. (separate pre/power combo).
In regards to the 2-channel + 5T question, I suppose this really depends on your preferences. Luckily I have two systems (one 5.1 and one 2-channel), so I haven't had to compromise on either one; in my experience you can get the best of both worlds with a high-quality, 5.1/7.1 capable pre-pro/amp combo and say, a full 5T-based surround system. For example, I love listening to the Outlaw HT stuff we have here for 2 channel music, and I've heard many separates-based HT systems that performed equally as well on both music and films, surpassing many 2 channel systems I've heard.
I will say though I've heard some really special AVRs from the likes of NAD, Rotel, B&K; these all have sound quality that's better than a lot of similarly-priced separates, but they come at a dear price and do sacrifice the latest features.
And as far as your dilemna: You do have a year from the day you received your speakers to take advantage of the upgrade program, but if your receiver has the requisite connectors, adding a high-quality, stereo amp could improve your sound quite a bit. Great as the 5B's are, they sure do respond nicely to better amplification...
Oliver Amnuayphol
Home Theater/Audio Guru
Aperion Audio