You could have just said "I'm, a pretensions audiophile!'*
Unless you have a high end speaker and map system, yes on board IS good enough.
Also, I high end system needs a game that uses it as well
You mean I could have said, most people don't know what they're actually talking about, yourself included. Well that's okay, after all who doesn't enjoy poorer quality onboard sound where you get intermittent channel drops due to software locking IRQ and DMA channels; or enjoy the gloriousness of it causing BSoD's. It has gotten better, but it's sure not anywhere near "good enough." If it was, I still wouldn't be using a XonarDG.