I just have a 2.1 speaker setup. I am not a big sound guy, just want something halfway decent.
The onboard sound you will get will be halfway decent, so you should be good to go mate.

btw...you'll get alot of advice from people telling you that your onboard isn't as good as other options, and they will usually be right (sometimes not for the right reasons...). But with a 2.1 setup and not being a 'big sound guy', most recommendations to do other than onboard will be overkill IMHO. Personally, I'm a high performance headphone guy, and onboard isn't enough for me, but I'm a hair-splitter on audio issues.
Example:
DIsagree. My CL X-Fi Xtreme Music card is very noticeably better sounding than an oboard card through good speakers (using Camridge Soundworkss Microworks). To me, sound is just as important as grapchics.
If the OP claimed to be a big sound guy, and audio was super important, this would be useful info...but I doubt the OP uses Cambridge, therefore all this tells you is that Zanderat finds audio to be very important and he's willing to pay for very good quality...which doesn't really answer the OPs question.