i guess the only "problem" with this is that i've ripped all my BDs and 4kBDs with 5.1 audio since that's all i ever needed. so i'll have to redo all of those.
I would think a Blu-ray with HDMI out to an AVR would be pretty safe in terms of being backwards compatible with DD 5.1. (Assuming the disks are encoded to spec, of course.) It's when you start dealing with components driven by high-level, frequently-updated software such as with app-driven sound bars, streaming boxes (including the Apple TV), smart TVs, etc... that's when things can get dicey with the older formats and connectors.