I only use on-board to power one of my speaker set-ups to be honest lol, but that being said there's typically close to no difference in sound quality of a current gen on-board audio solution as companies, mainly Realtek I suppose, beefed up their work on the audio. If you have some really high end audio equipment you might notice the on-board doesn't do as well as a strong discrete card in certain ranges, but typically for a gaming and basic movie experience there's no added benefit of a discrete compared to current on-board solutions.