dszd0g or however you spell it
Sorry to break the news to you, but you are actually the wrong one. A 60 dB S/N ratio means that the signal (i.e., music) is 60 dB louder than the noise (i.e., hiss) at some reference level (usually 0 dB, or else some other specified gain). But a 60 dB S/N ratio is still pretty poor by todays standard, and probably is about the minimum you would call "high fidelity".
The hiss you hear when you crank your Klipsch's is noise from their amplifier combined with noise from the soundcard, not the sound card alone.
A S/N ratio of 96 dB means that if you set your volume level to, say 106 dB, which is as loud as many rock concerts, the noise level would be at 10 dB, which is
barely audible, and would only be apparent when there was NO music signal present, like during a moment of silence.
And as a point to remember, dB's, or
deci
bels, are not an absolute unit of measure, but rather a
ratio of one quantity compared to another. And it's a logaritmic ratio, at that. Oh, and a decibel is 1/10 of a Bel (named for Alexander Graham Bell)
So anytime you see a dB spec or value, it is meaningless unless you know what the reference unit is. So when I said 106 dB is as loud as a rock concert, what is really meant is that 1/10 the logarithm of the ratio of the sound of the concert compared to the implied 0-reference is 106.
The mathematical formula is 1/10 log (value of interest/reference value) for a result in dB. And since we are speaking in logarithms, the scale is not linear, i.e., 20 dB is not twice as loud as 10 dB, it's 100 times as loud!