I gave up on getting audio passthrough to work reliably and just send PCM over HDMI. I don't think there are downsides to this, unless my computer is somehow worse at decoding DTS than my AV receiver?
The main reason that passthrough is the norm is history - the connection to the receiver used to generally be S/PDIF or HDMI 1.x versions that had the same capability as S/PDIF, so you had to use Dolby or DTS to get the audio to the receiver. Otherwise you could only do two channels.
Actually a shocking number of PC motherboards and soundcards of that era have 7.1 worth of analog outputs, but I can't say anyone ever used them. I believe 7.1 analog outputs were required for Intel HD Audio compliance.
I think the main reason for audio passthrough preference in the home theater crowd is seeing the DD/DTS logos light up on the receiver.