I personally think you should just buy a pair of stero headphones
First, you get what you pay for, surround sound headphones will be cheaper built because they contain more, and prices are jacked up due to lack of demand, same reason why they can price gouge me 225$ for my headphones
And none of your music is encoded in surround sound, it's all made for stero. Stero is better for music listening, including phasing sound in 2 channel.
Also gaming with stero is not that hard, I can easily pinpoint a gunshot to 25 degrees on some old crappy yamaha cheap monitors