Well let me clear up a few things. DVD's as well as games will be output to my TV. Internet will be done on the monitor, music really doesn't matter, since I don't know if I will be listening to it while playing on the computer or just lounging around. I am building an HTPC, pretty much anything I can reasonably do on my TV rather then the monitor is what I will be doing. So my sound system will be centered around my TV not my computer. I should have made that a little clearer earlier.
Also I am not rich, so I can't afford anything and everything, but I will spend what I have to, to get decent sound.
One other thing, right now I am using my stereo system as my speakers. It's a decent little Philips Magnavox Mini HIFI system, but it doesn't do the surround sound.