Technically headphones are only ever 2.0

But some of them are pretty clever at simulating surround sound.

Here's the thing, you don't really need any custom settings for sound cards. It has a sound, it plays the sound. If you want to tweak the equalizer on that sound in your card's control panel go for it, but IMO beyond a certain minimum threshold a-soundcard-is-a-soundcard.
At least, as far as playing games goes.