Marshall
I'm with the OP. If I'm recording an audio track it is one of two inputs - left or right.
But this is just for single sources. You may have stereo room mics, a stereo external synth. With my AD2 example, I set up everything to com into sonar's mixer as monos exept the overheads and room mics, I do not use the Main stereo outs. SO from one VST I need to use both stereo and mono.
The audio ins are more than just the sound card, internal options are cr4eated as you add them.