I agree with what you say. I don't want to choose the 5.1, and i dont. In fact I never rip the 5.1 substream and choose the 7.1, rip to flac, for my son to play on his non atmos system.Why would you want to select the 5.1 mix? It's in lossy Dolby Digital AC3 and while it can be at 640kbps (the max for AC3) it is far more likely to be at a lower bit rate and sound poor as a result. Much better in my view to play the 7.1 MLP and have your AVR fold the two sets of rears together to get 5.1 (or 5.0 in my case), it's a trivial thing for your AVR to do and likely an identical mix to the AC3 5.1. I suspect the AC3 is always generated automatically from the 7.1 MLP in the Atmos workflow, even if there is a separate DTS HD MA 5.1 mix on the disc it seems unlikely to me that will be put into the Atmos workflow just for the AC3 5.1.
What I'm saying is in many cases, the AC3 is the only 5.1 version on the disk. Who is it backward compatible for? How does someone with straight 5.1, (and I mean strictly 5.1 with only 6 channels, not 8 for 7.1) select that playback mode. For such a system, that is the only multichannel option available that can play with no loss of information. Playing the 7.1 will simply lose the rears. There is no menu option to choose 5.1. How does the disc player know to choose that stream? Is it hardwired to look for a 5.1 stream? Default to stereo if it doesn't find one?
I did at one time in the early 2000s i used a Pioneer universal disc player. It didnt play blurays, only SACD, DVDA, etc. It was strictly 5.1. 7.1 was not yet a common format. Can we assume that the 5.1 AC3 stream is meant to provide backward compatibility for that vintage gear? But again, that old Pioneer wouldn't play a bluray at all anyway. By the time blurays arrived, 7.1 gear had become the norm. This is in spite of the fact that there was next to no 7.1 software to take advantage of it.
Once there were 7.1 capable disc players, it's no problem. The player downmixes to 5.1 and feeds the 5,1 AVR
I guess the real question is, in the interest of backward compatability, what scenario will facilitate the playback of that 5.1 stream? Who is that backward compatability targeting exactly?