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Are pci nic cards faster than onboard nic's

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Current onboard ones would be much faster if you are dealing with gigabit networking. A lot of the onboard gigabit NICs are connected through PCI-Express channels.

If you are talking about 100mbps, then it really wouldnt matter all that much. 12.5 MB/s isnt all that much compared to PCIs 133MB/s bandwidth the the even faster northbridge/southbridge connections.
 
it really doesn't matter much anyway, because truly you are capped by your HDD
 
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