I think the title of this post is throwing off several people. It's a false-dichotomy, because you aren't forced to make an either-or choice at all (contrary to what the title suggests).
Just start off with the integrated graphics at step 1, and if it's sufficient, you are good to go. If integrated is insufficient, then proceed to step 2 and buy a discrete graphics card to have the best of both worlds.
For me, the question collapses down to asking whether you should specifically try to find a CPU/motherboard combo that *DOESN'T* have integrated graphics. But I think everyone would agree that it's a poor sacrifice from any cost/benefit analysis to do that. Rather, just get a CPU/mobo set up that has integrated graphics, and go from there.