Hi Jo-Jo:
Listening to "personal affirmation tapes" or CD's (such as the Holosync "floating" track) are better used with earphones, however, you don't necessarily need the "stereo" effect unless there is a special technology, such as binaural beats, implanted in the audio. The "floating" track does not have the Holosync "beat" technology implanted, although I believe the newer ones do have the "Virtual Audio" technology, and of course, your personal affirmations in "Autophonix".
The Paraliminals work best with head-phones, so that the left-right brain hemispheres get more of the message that will work best using the strengths of those hemispheres (logic vs imagination) to do the programming. However, once you've listened to them in the prescribed manner, you can use them with the type of set-up you've described - although it will work best if you are lying on your back, as opposed to curled up in a fetal position - the message still needs to hit both sides of the brain to be reasonably effective.
Cheers!
Sheila