I just recently bought an SB X-Fi sound card, and, HO-LEE FUDGE, it's
WAY better than my cheap-ass Realtek AC'97 on-board audio. Even tho I use 2.1 stereo speakers (w/ mini subwoofer), I actually believe I have 5.1 surround sound

. Audigy 4 is kinda old, but it's STILL better than on-board audio anyday

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Has anyone tried that website which creates realistic 3D sound in your headphones? I can't remember the name of it but I'm sure a Google search would find it. If the technology for that could be moved into gaming then I think soundcards would become more important to the casual gamer.
I believe
Creative developed that technology. It's called
CMSS-3D, if I can recall, and X-Fi sound cards support that feature. Not sure about other SB lines, but X-Fi for sure uses CMSS-3D.
Anyway, that's the major difference between vid cards and sound cards, is that you don't have to upgrade your sound card as often you do vid cards (maybe once every 5 to 7 yrs, whereas vid cards are released approx every 2 to 4 yrs). Right now, I'm content with my setup, an ATi X1600 Pro 512MB GPU, and SB X-FI XtremeMusic.