Integrated audio isn't good enough, isn't great, and isn't for me. I have a pro-level sound studio, and there's no way your going to tell me that the noisy environment that is the system motherboard is going to give me results I can be proud of. Not even for gaming, thanks.
Discreet card? Ok, maybe, but generally you need to jump up to RME or some such before you can really call it good. I have a an RME RayDAT - This means that that all my AD and DA happens somewhere else, and not in the computer. It all goes digital over ADAT to my mixer (a Yamaha DM2000) where the conversion happens. Or it goes digital over ethernet (audinate Dante) to an X32, again where the conversion happens.
There are a ton of good external boxes to handle sound - some quite reasonable. Stay away from the onboard and cheap USB sound dongles. If you have the speakers to handle it, then why put up with bad sound?