I am not much of a power user, and have always been satisfied with the onboard sound capability on my mobo. However, I just purchased a Live 5.1 sound card, and was wondering what type of speakers to outfit it with. I am pretty cheap, so I don't want to blow a wad of dough on them. What does 5.1 mean exactly, and can 3.1 or 4.1 speaker systems run effectively on the 5.1 cards? Any advice would be appreciated.