I would say the biggest drop in performance is the subpar choice in parts, but you get that when you buy el cheapo pci sound cards too, and the inefficent drivers usually provided. Other than that, I would say they are the same. I have used both types and haen't noticed anything too bad. Of course, most of the games I play I do not set to any special sounds. Just enough to know if my warriors are under attack... But obviously, if you play games with ambient sounds and effects, like UT, Quake, and a lot of RPGs then you will bite a performance dip.