"Soundblaster" was such an 80s/90s name for a computer part.
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You should still buy sound cards as they are significantly better, at least the ones in the 100€ range. Just because there are premium mainboards with acceptable sound doesn't mean it is great.
Do you need better speakers to appreciate it? Mine are cheapo $15 ones from Amazon.
Get used
I doubt it. Unless your motherboard is really old I think it won't matter. Sound is easy to do these days.