I have a 2.1 set up and are using onboard sound, Im an audiophile, but still enjoy onboard sound if you get the right one. Realtek makes a great ALC888 and Cmedia makes a great line. I have optical in, 6 analog inputs, and SPDIF out, in, on my motherboard. I run my speaker system, 4 speakers through my optical in, and my bass through analog. It sounds great. If you like sound, get good speakers, and a resonable sound card.
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Gaming System/Media Center
CPU: AMD Athlon 64 X2 3600+ Windsor @ 2.2Ghz Socket AM2
MB: Abit AN-M2HD nVidia GeForce 7050PV nForce 630a HDMI mATX
RAM: 2Gb(2 X 1Gb) OCZ Platinum Revivsion 2 PC2 6400 @ DDR2 880 (3-4-4-15)
HDD: Western Digital Caviar 80Gb 7200RPM IDE
GPU: MSI GeForce 8600GT 256Mb DDR3 128bit
OD: LG DVD-RAM Black Sata
Case: nMEDIAPC HTPC 200BA Black
Speakers: Logitech X-240 2.1
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