I'm not positive, but I do not think that you can make a RAID-5 out of your drives and simultaneously keep the data that you have on them right now intact. You probably need to do a full backup before creating your RAID (and even if you don't need to, you really, really should just in case something goes wrong).
As far as which you should use, your board's integrated RAID-5 will end up doing software XOR calculations (i.e. it will use the system CPU for them), which can hurt performance in some circumstances. If this bothers you, then the alternative is an add-in card, although getting an add-in card the features a hardware XOR unit is expensive, and if you get one that does not feature this, performance will be the same as using the onboard RAID-5. If I was in your situation, I'd just use the onboard. It's unlikely that you'll ever actually notice the software XOR calculations.
EDIT: And if your main concern is future upgradability, get an add-in card regardless. Even if you transition to a new mainboard, it should still be possible to just move the card into the new board, and keep all the drives attached, and have everything continue to work. The same cannot be said about using the board's integrated RAID-5...if you change boards, or decide later to switch to an add-in card, there is no guarantee that the mainboard's RAID-5 will be correctly detected by the new controller. So...yeah, that's one other reason to consider getting an add-in card over using the built-in RAID-5.