Well first I guess I am an "audio newbie" and right now I have Audigy 2 ZS and the Logitech 640's (yes laugh at the poor college student, I know they suck). Since I have some excess cash this summer I am going to purchase the HDA Digital Mystique, and I will have an additional $700+ (probably more) to blow on speakers. Now I was thinking of getting the Logitech Z-5500 Digital speakers, but I know you can get like regular speakers and an external decoder for this card. My problem is I really have no idea if the money I have is enough for regular speakers and a decoder, or if it is enough, what home theater system I should buy. Would it be better for a newbie like me just to get the Logitech Z-5500 Digital or should I invest in a home theater system (assuming I have enough cash for it)? I guess from reading the faq I should inform you guys I plan to listen to a lot of music, play games, and watch dvds occasionlly. If there are any other questions that I forgot to answer, please just let me know. Thanks in advance, sorry if this seems really newbish.