The Audigy SE, IIRC, is a software based card for starters it has no hadrware processor. I usually tell people to go with a soudncard insteald of a onboard but I suggest if your going to go with a add in card to Buy one that is a bit newer...
The Audigy SE is really not considered to be a good sounding card. I don't know if this answers your question of not.
Speakers, I haven't gotten yet. For now I have a pair of Zalman ZM-RS6F headphones. I was thinking about getting a decent 2.1 speaker set that's less than $100. Any suggestions.
I am really not sure about that as I have never really looked for a speaker system under $100. Do you have any receivers and speakers kicking around? Usually people have olders ones in the basement etc, that they don't use. You can use a receiver and stereo speakers, connect it up to your soundcards output and you will get much better sound then any $100 speaker system. If you have the gear around that is..