I recently gave away my last soundcard (SB Audigy) to a friend, and then I started playing VG again. My computer was straining to push the Ventrilo/Skype sound through the pounding that it was taking from Vanguard. Click and pops, and all that. This is with sound off in the game.
Shit!
I went out and bought a SB X-Fi Fatal1ty, $105 after rebate from newegg, and holy shit am I happy!
The sound is amazing (compared to last SB and the Realtek onboard sound), in game or otherwise.
Getting 35-45 fps on balanced with an AGP system baby!
No, not in a full group / indoor dungeon.

But even
then its ok.
If I continue to play the game (looks like it atm) I will upgrade to conroe/8800 within 3 months, as opposed to the immediate timeframe I was looking at with 25fps and clicky/poppy sound.