Buy your audio interface from a Music Retailer,,, not a computer store.
Your point is well taken, but your method is suspect. You can find soundblaster cards at many music retailers and pro and prosumer interfaces at "computer" stores.
You need to do a fair amount of basic research into what you actually need, rather than depending on the nice guy at the store to recommend whatever he thinks he understands or what brings the biggest commission.
Begin your search by defining what you intend to use the interface for over the next 3-5 years. If you plan to individually mic a double set of drums for your band, you are going to need a lot of inputs. If you are mainly using midi driven soft synths, then your onboard audio chip/card or a soundblaster will work, if you learn how to use them. Any interface requires some sorting out in order to use it the way you want. Buying your way out of ignorance is a potentially expensive process, as I for one have learned by experience.
A search of this forum will bring a gazillion hits about what various users have found useful.
google: recommend audio interface site:forum.cakewalk.com