I went from a Xifi Elite Pro to onboard ALC1200 this summer, whilst the Elite Pro is old by todays standards it was top dollar back in the day and high spec, I am still playing a couple of games today that I was playing in the summer with the Elite Pro which was a PCI card hence why I couldn't use it on Z490, the Elite pro was better sound quality, deeper richer sounds and whilst I am on analogue I do have a reasonable 5.1 system with 100W of sub, but here is the thing, after a week there was no difference because the comparison dies and there was not significant enough difference to now make me think what I have is poor or weak, it's not, it is good but not great, what would be interesting is to compare the 1200 plugged in to my AV Surround amp and a good set of speakers (KEF).
Often with some sound cards it's the suite of sound effects as well as a higher spec that help with games, obviously it does not matter how good the device is if you don't have reasonable speakers plugged in to it, I suppose if I thought the difference was significant enough I would spend £100 - £150 on a decent sound card, I just don't think it is.
What I will say though is that ALC1200 is night and day ahead of ALC887.