If your motherboard did not come with Dolby Digital Live! or DTS Connect, you will not get any surround sound via optical/digital connection. Optical cannot pass through loseless 5.1, only compressed 5.1. DDL and DTS-C mix all audio into a DD/DTS signal and send it to the receiver. Creative sells licenses for DDL and DTS-C but I believe those work only for their sound cards with digital outputs.
That said, I prefer 3 or 4 RCA cables from the sound card to the receiver. With digital you lose all the bells and whistles the sound card has. Digital bypasses all of the good stuff and goes straight to the receiver for it to decode the signal instead of the sound card. If you have an optical connection and either of the encoding softwares, then it won't make the slightest difference if its onboard DD or sound card DD. Same for DTS. A
I will take a dedicated sound card over onboard anyday. The SQ is a huge difference when the analog jacks are used. Onboard has weak DACs and just very low quality in general compared to sound cards. Plus, analog with 3-4 RCA cables to the receiver provides uncompressed surround sound, which is better than the compressed signals imo.
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