Why is the Xonar card so much more expensive than a barebones Creative X-Fi? (Oh, look at all the bad reviews. Now I get it.)
-edit-
Sorry, forgot to address the other half of the question. I've never owned them, so I can't testify, but everyone seems have nice things to say about Logitech's speaker offerings, and they're on the cheaper end of the spectrum. Por ejemplo, here's a 2.1 system for $70 with overwhelmingly positive reviews.
If you're a real audio snob, however, the only solution at the low end of the price scale is headphones.
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