Anecdotal, but when building my previous (sorta, some components are still there today) PC in 2018 I had actually bought a dedicated sound card for it, a Sound Blaster Audigy FX, it was appallingly bad. Awful drivers, limited capability (for instance, no ability to filter out speakers when recording). I ended up pulling it out after few months and defaulting to the motherboard's realtek chip (aorus mobo), which is more than enough. So no, I don't think it's worth the cost.
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Anecdotal, but when building my previous (sorta, some components are still there today) PC in 2018 I had actually bought a dedicated sound card for it, a Sound Blaster Audigy FX, it was appallingly bad. Awful drivers, limited capability (for instance, no ability to filter out speakers when recording). I ended up pulling it out after few months and defaulting to the motherboard's realtek chip (aorus mobo), which is more than enough. So no, I don't think it's worth the cost.