I am not well versed with soundcards at all and would like some input if X-fi Xtrememusic(SB0460 Gold plated) is a credible upgrade over my onboard ALC 888GCR. Also one of the reasons I am getting it is that my onboard doesn't sound that loud on my headphones even at 100per and I heard thats a problem with most of the realtek chipsets. So should I go for it ? I am getting it for like 30$ from a guy I know. I own a cheap pair of 4.1 creative speakers and akg k-44 headphone.