5ch amps are tough to make work, and I would never buy or suggest getting one. If you buy one, you are then limited to whatever sub works with that wattage. If you ever want to upgrade either the components or the sub, you are screwed. A 5 ch amp will generally cost about as much as two amps that it replaces too, so you aren't saving any money going that route. It will also be bigger, so depending on your space, it might not fit where you can have two smaller amps fit in different places.
If you aren't even planning on getting the sub now either, no way would I get a 5ch amp that you don't know what to plan for. Get a 4ch amp for your components, and then when you're ready for a sub, get a sub and an amp that work together, and you aren't already going to be limited to what that 5ch amp can do. The only thing you will have to change is getting distribution blocks. Just get your power wire for as big as you MIGHT need for your end goals, and the worst case is you cut a couple feet off when you use a distribution block.