I was thinking of the audigy, until I saw the strict criticism it recieved.
I'd be using it for speakers only. I have always used headphones(all I have is a clock radio and laptop speakers), and after listening to a cheap $15 pair of speakers, even that sounded better than using headphones constantly. It simply sounded better from speakers than headphones, different feeling. It'd probably be an expensive 2.1 speaker set, 4.2 or 5.1 MAYBE, if I could find out how to get that set up so the speakers weren't on the floor in the room with the new computer. Something minimum 200-500 watts to go above the volume of how loud the computer'll be with a 3 GHz HT 800 MHz bus P4
It's required, simply out of conviencence, that it's available on newegg.com