Polk cares about the technology that goes into their speakers, so I suggest test them out to see if you like them. This goes for any brand. I suggest PSB because from what I read. PSB goes for sound quality instead of fancy technology. IMHO, Swan is too expensive, so I am not going to waste my money to just test them out. I think with Swan you are paying the brand and not the speakers themselves. After reading the reviews for PSB speakers, you are actually paying for the speakers. Do not take my word for it, hear them first and then compare.
I prefer separates because they are easier to replace. Having the amplifier built into the speaker may seem OK, but the speakers go within 5 years. Amplifiers can last a long time up to a few decades. I am not sure how long DAC last. If they are connected to the computer, they will last as long as there is support. As a stand-alone, it will last until it fails. Digital electronics like DAC will just fail with out any warnings. I think DAC can last up to 3 to 5 years.
To electroju:
I was not disdaining 2.1/5.1 systems entirely. Merely the ones specified for computers at a price range of $50-150.
Also, the Asus Xonar D1/DX is an internal dedicated. That would disqualify it regarding my criterion of having versatility between my laptop and desktop. Unless there is a way to install dedicated hardware--excluding RAM--into laptops that is accommodating to most novices.
There are external devices that let you use a PCI or PCI Express expansion cards. The company Magma (magma.com) has a device that can hook up to PCMCIA or ExpressCard and creates an external expansion PCI or PCI Express bay. They are costly at over $1000.
Finally, what is Q and transient response? Is that similar to response time or ratio of the driver?
Q is response time and the ringing effect of the sound.
This is misleading, for two reasons.
First, it's just wrong. On-board sound used to be crap, but many of the options available now are quite good and you'd be hard pressed to find someone who can actually hear the difference between on-board and dedicated sound cards (at least for music purposes - with gaming and environmental effects, i realize an on-board card can provide value)
Second, you're advocating that the OP get external monitors or bookshelf speakers. I'd assume that if he goes down that route, he'll be using an external receiver to power them. A digital signal over SPDIF to a receiver isn't going to be affected by any noise and will be identical to what a stand-alone card would send.
It is not misleading. I can definitely hear the difference. I have an Audiotrak Prodigy 7.1 (VIA ICE1724HT) and on board sound. I can also hear the difference between MP3 and WAV files. Yes, the digital audio output could be used from an on-board sound, but none of them actually do it right. There is no isolation and isolation is required for SPDIF devices.
Gamers can not tell about sound quality because they do not care for sound quality. They care more about the visual aspects of the game. Gamers do not mind if the sound is played with tin cans if it just gives the the sounds of foot steps. The original poster does not care about games. The original poster wanted speakers to handle FLAC files. If someone is going to spend their effort to archive their music collection to FLAC, they care for sound quality. Gamers probably will go as far as squeezing as much space as they can, so they might use MPEG-4 like audio compression.
I would not go with an AV receiver because lugging around with the notebook computer will be funny. To keep things small, I will get two components and sacrifice the time to put it together. I would get a Nuforce Icon HDP and Winsome Labs Mouse amplifier. Carrying the speakers will be almost the same as lugging the AV receiver, but it depends how much I care about sound quality.