Hopefully, this helps.
Retail
Souncard/Hard Drive/Videocard/floppy/CDRom etc comes inside fancy cardboard box with cables, instruction sheets, mounting screws and bonus software (if any)
OEM
Your component comes inside plain box (AKA the ubiquitous "white box" you see listed on Pricewatch) or sometimes inside Bubblewrap. Usually with no cables, mounting screws, software, etc
You are correct about the no audio mobo thing. I've learned this, about that; if you are a gamer, you're gonna get a PCI soundcard anyway. If you're not a gamer or your building a system for grandma or Uncle Bob, onboard sound will do just fine. As a matter of fact, some mobos like the Iwill KK266 have excellent onboard sound.
Ultra DMA100/ATA100 = same thing This means that the device with that label is theoretically capable of transferring data at 100 megabytes per second. Currently, there is no device on the market actually capable of doing that. But this is the latest standard that manufacturers are going by. It's good "future-proofing" to ensure that any rig you are building is ATA100-spec. Good luck.
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