Well, I just attached a set of Logitech Z-4 speakers to my ASUS Xonar just to test their functonality. I am SHOCKED as how well these budget speakers sound with this soundcard. I then attached them to the onboard sound of my other PC and the sound was instantly muddled and unclear. A real soundcard will make even average speakers sound so much better. I do agree that the Z5500's are ideal to have, but with onboard sound you will be disappointed. I'd get both if possible, but I'd start with a soundcard first since there is no onboard that can even come close to the power of the Xonar and the Prelude. I owned both soundcards and in my humble opinion the Zonar has a far superior sound for music/movies. EAX is not a consideration for me since I never bought into it and never noticed any real difference between a card that has it and a card that does not while gaming. Either way, I'd go with what the wallet supports. If you only have $200 to spend now and cannot get more, get the soundcard and start saving for speakers. Great speakers will be held back by onboard sound greatly.
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