As a hobbyist musician, the more you externalise these sorts of things, the more latency you create. A discreet, internal, soundcard is probably going to trump external DACs for a long time to come.
External DACs totally have their place, music playback, movies/shows. But for doing audio work, internal is the way to go.
As a professional musician and someone who works for a prominent Japanese electronic musical instrument company, I’m going to have to disagree.
Thunderbolt provides all the low latency of a PCIe interface with none of the drawbacks. I use an Antelope Zen Tour in my home studio and it is just amazing.
The systems I designed for work though use RME PCIe cards, but those systems aren’t in the hobbyist space.
I absolutely notice when a game defaults to a resolution with 60hz refresh rate. It's not even so much a stutter or stall as it just feels "off" and then feels "normal" if I adjust the settings to 144hz.
Though I don't notice this when playing a game that has fps capped to 60, as long as the monitor is refreshing at 144hz still.
I've also had a few ms of latency adjustment make the difference between frequently missing notes and being able to sustain long combos in guitar hero or similar rhythm games.
It's subtle to the point where it's difficult to measure objectively (if it's even possible to measure something where subjectivity is built in like sensory processing), but based on those I think our temporal resolution is higher than 60 fps in certain cases.
Edit: Though I'm not sure I agree that the latency difference between an internal and external sound card will be very noticeable. I used a USB dual pre for gaming for years and never noticed anything off with it. I might try breaking it out again to see if it makes a difference in rhythm games.
Some of them have poor stability. I gave up on a Sound Blaster Audigy RX after it caused random crashes on two different Socket AM4 mainboards. I just got a 10 metre optical cable and a cheap DAC next to my reciever.
I suspect the industry is in a tailspin; the last players standing really don't have to give a **** because the alternatives are onboard sudio or $$$$ pro cards.