If your computer comes with 7.1 onboard, I wouldn't buy another card. If you're really planning on doing some recording in the future then it could be a good idea, just make sure you get a card with an external i/o box. In terms of actual sound quality you won't hear a great deal if any difference. A seperate sound card does free up more processing speed during games though, so sound glitchs and pauses would be eliminated.
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2006 Mac Pro
Dual, dual core xeons @ 2.0Ghz each
2Gb Ram (I'm too poor)
NVidia Geforce 7300Gt 256mb
Onboard Sound - optical out to Logitech Z5500
Digidesign MBox2 output to PMCs
250Gb Drive running both Mac OSX and Windows on seperate partitions, 400Gb Seagate Drive for Windows, 400Gb WD Drive for OSX
24¨ Acer AL2416W (not nearly as bad as you'd think)
Various Lacie external drives
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