In this user's opinion, a dedicated sound card is only worth the cost if:
1 - You have poor or outdated onboard audio
2 - You use a multichannel or surround-sound system like Dolby Digital
3 - You are an audiophile
4 - You play an instrument and need the dedicated card for inputs/outputs
5 - You have high quality speakers
6 - You need a gaming port (applies only to certain models)
In the end, none of the above matters if you cannot tell the difference. Find a store with a good return policy, but the dedicated card, install it, and if you cannot tell the difference, return it.
Happy gaming,
Boz
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