It also matters what your gonna be listening to, and what type of speakers you have. If your only gonna be listening to mp3's and no CD's or not playing any games, your better off with onboard. If you have really crappy speakers (i.e. say under 30-40 dollars) stick with onboard. If you have decent speakers (if you don't I highly recomend buying some...decent logitechs are around 100 for 4.1 maybe even 5.1's now), and you play games or listen to CD's get the sound card. I wouldn't buy an audigy 2 unless your running to very awesome speakers/home theater setup. The audigy 1 can be had for around 50 bucks and is a great performer.