For playback purposes, the onboard Realtek can be used, but requires a second speaker set and different driver mode than ASIO. For recording they fall flat though. If just mixing and/or using MIDI, could easily get by on such a setup but latency with MIDI recording would be painful.
This thread is interesting for me because I have a friend who is going to need hand holding and throwing into the pool to ever use a DAW. USB AI would be a logical choice, but some reviews for entrance units are concerning. It is hard to even make a recommendation for such. I had headed down the F/W path to mitigate USB conflicts and rarely see issues that get posted, but with USB performance I can only rely on reviews.