I'd read brief mention and evaluations of the nVidia versus Intel on-board controllers.
At this moment, with the latest drivers, I have a second nVidia-based system where I've actually chosen to use the on-board controller, and it doesn't seem problematical . . . . yet . . . But I've only set up the system for dual-drive RAID0.
I'd always had an Intel preference for chipsets, though. With the nVidia system built last summer, I'd chosen -- and planned -- to use a PCI_E controller.
I chose to use one that had its own processor -- XOR engine. That takes a load off the CPU, and provides a performance advantage.
Last year, Tom's Hardware had done a comparison-review of RAID5-capable controllers, and the numbers pointed to a less-likely choice: a 3Ware 9650SE card that -- for the four port option versus 8 or more (and more expensive) -- used or needed only a PCI_E x4 slot.
The benchies didn't lie, and with SATA2 drives that matched the older SATA150 Raptors for sustained throughput, the sustained throughput for read operations with the 3Ware was about triple that of single-drive speed with a 4-drive RAID5.
This year, there was a comparison review in Maximum PC Mag, and the 3Ware was blown away by an Adaptec controller, which was in turn matched by a Highpoint 3510. You can probably find the review at the mag's on-line website per getting the model numbers, price and features straight over what I've provided here.
But that option is going to cost you at least around $300+.