no what i am said is:
if you want an all-in-one type solution (headset and mic) then go ahead and look at those usb headsets. however realize that once you start getting up around $100 there are far better things available.
even a low end pair of studio headphones will sound much better than mid to high end usb powered headsets. i just mentioned the model i personally use. if you also needed a mic you would have to use a clip on or desk mic with this though.
as far as using the integrated soundcard, this is because of your budget. the headset i recommended is about $100 if you get a very good deal on it (i paid $180 retail). also if you have a good integrated soundcard you might not need a slot card. however if you do not have...