sorry geforce but ur suggestion seems to be bit theoritical....
agree that external creative soundcard use less CPU power and is also good for gaming thru EAX, but this is more imp. when u've multichannel speakers...and intex..
well its better NOT to buy speakers then....
as of now i think taberz will be quite happy with a good quality 2.1 speakers and since he has a good budget for 2.1 speakers then i suggest that he shud go for Altec Lansing VS 4121 2.1 speakers...
even if one happens to have a rocket science technology soundcard..it wont matter much unless u've good quality speakers....coz no matter what u try...the average quality speakers will always sound average...however vice versa of this is still manageable...one can still get good sound even with an average soundcard if they have quality speakers....it all ultimately depends on the amp and build quality of speakers
so taberz i suggest that u go for Altec Lansing VS 4121 2.1 speakers..
ENjoy...