GVs will have their sound transposed to spots where they are not and worst of all the CPU will have to shuffle off operations as it makes room for audio processing loading new sounds and applying skins. CHOKE!
Thanks for coming back around to my point: there's a ton more going on here than audio, and audio is not the root cause of the problem, a too-heavily-loaded system is. You are describing a scenario where suddenly the game has to initiate lots of operations: textures, audio data, etc, and it's choking your particular setup. Offloading just a tiny bit of work, or sometimes even turning down a single option, can convert you from seeing a choppy mess to a smooth experience when you are riding that edge.
The classic example here deals with vsynch. If you are running a 60Hz monitor at 60 FPS, that's around 16mS per frame. If you suddenly take 17mS to render a frame, now the monitor draws the same frame twice while waiting for the next frame to be ready, and suddenly you are at 30 FPS and have 15mS (or so) of your machine basically sitting idle waiting on the vsynch so it can send the next frame to the video card, all because you crossed a very small threshold. And worse if you are toggling between 16mS and 17mS to prep a frame, you'll get a very choppy experience, as you show one game frame for one video frame, then the next game frame for two video frames, etc. The human eye is very susceptible to fluctuating framerates, where a machine jumping around between 40 and 50 can look worse than one running at a smooth consistent 30. So if you have a machine that is just barely running the game at 60Hz, then yes a relatively minor change in throughput can lead to a MUCH better experience for you, but that doesn't mean that all or most or necessarily even a fair percentage of other machines will see the same improvement with a similar change.
As for noise on the Xonar, I've never noticed it. Disclaimer: I am NOT an audiophile. I can tell improved sound quality between the crappy stereo speakers I had plugged into the Realtek and the headphones I've got now plugged into the Xonar, but I also think WMA-compressed music sounds fine and am using speakers that cost maybe $300 total in my living room 5.1 setup and am ecstatic, so I may not be the type who would pick up on the kind of noise you are talking about. If you can pick up noise like that, then yes buy the absolute best quality output you can find, and you probably do want to check out lots and lots of options, possibly even multiple instances of the same model, to find one that can satisfy your tastes. Sound quality is the primary reason for an addon sound card in most systems, not a major jump in performance on the system.