For the surround sound, I’ve heard many let you boost the centre speaker for voices but I don’t have surround sound so can’t confirm.
For headphones, my grandmother had them (this was at least 15 or 20 years ago) and everyone else could still hear the TV.
A bit of a search and apparently many TVs have a setting to play out both, otherwise use a splitter on the HDMI or optical connection used for your surround sound. This way you get both. Just make sure the TV headphones you buy take the right connection type.