Digital/onboard soundcard?
Answers:
Get a Card. Like these guys have been saying, the Onboard does nothing but consume general system resources. Besides the digital thing, think about the amount of sound power that say, a Game requires - its more than you think, and taking that load of the MoBo will see a significant performance return in lieu of $60.
The only way to get true digital sound is to get a soundcard. Onboard soundcards actually use system memory to run, and are not digital. Only cards with optical output are digital and will give you that quality of sound. Creative makes some amazing cards.
You can't use onboard with digital speakers without a toslink or coaxial s/pdif jack.
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