OK - most audio onboard is pretty good nowadays. They also usually support 5.1 speakers. To get a card that is supported under Windows 7 64x - you have to go with an X-FI or equal card - adding an easy 200+ to the cost.
Best thing I can advise you on this one is use onboard sound. IF - and I doubt it would happen - but IF you find the onboard isn't good enough - then you can add the card.
Unless you really have to have EAX extensions for FPS gaming (because you have to hear the guy sneaking up behind you in absolute lossless - I have to say its probably not worth the money.
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Good Hunting!
Captain Haplo
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