A good soundcard is important if you want more hardware...
i have the soundblaster x-fi fatal1y champion that has a front panel with full sized input/output jacks, optical-in/out, spdif ect... and the card has a really fast processor, so i can plug in my guitar and play with no noticeable lag/delay even using amplitube or guitar-rig pro
personally i'd cry if i had to go back to on-board..
since on-board sound is often software driven and relies on your CPU and ram to process the sound, rather than having their own dedicated SPU and ram, a dedicated card might give your machine a bit better performance too.
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