ok.... put it this way.
On-Board sound can only produce 32 sounds at once, which is not even comparable to 128 sounds on X-Fi
U could get the best speakers out there and it would sound like cheap speakers cause u have on-board. I dont have x-fi but i have heard of the reviews and suggestions on what to buy, and there all say the same.
But if u are just using headphones that arent quality, tehn onboard or a creative live! sound card would be fine. But if u have any speakers that are $50 and up u would need al least a sound card better than Live!