I have one of these lying on my desk now:
http://www.newegg.com/Product/Produc...-019-_-Product
With previous motherboards (my latest one was an Asus P6T Deluxe V2 x58 chipset) I could tell the difference between the quality of the onboard vs the XFi. Just don't know if I should sell it or use it again.
I currently have Klipsch ProMedia 2.1 speakers now. Not sure if these are considered 'low-end'.