Your conclusion is correct. I have found that even the best internal sound cards are not as good as an external USB converter or USB DAC with its own power source and low-jitter clock, particularly the ones using async USB protocol. Battery power for the digital parts make it even better. Here are some tips for getting good results from ripping and playback:
http://www.empiricalaudio.com/computer-audio/
Steve N.
Empirical Audio
http://www.empiricalaudio.com/computer-audio/
Steve N.
Empirical Audio