Honestly, it all depends on what you're doing. In my case, my PC is hooked up to my home theater receiver via an AMD Radeon 6450 card using HDMI. I can bitstream 24/192 on this without issue and can playback SACD rips, DVD-Audio rips as well as BluRay rips with TrueHD or DTS-HD MA streams. I can hear a little hiss when no audio is present but as soon as I start playing something, that hiss is gone. I can live with this since the most I do with my recordings is some minor EQ-ing and limiting (and I almost always use headphones to get me to where I want to be and then use the speakers as a "second guess."
If you don't require something heavy duty and are running your audio to a receiver directly via HDMI, I'd say "don't bother." I used to use integrated Intel HD Audio on my i3-540 but got annoyed with the 24fps issue on video playback so I bought the cheap videocard. I'd almost want to say, in your case, that you should just save your money.