just to throw in my small contribution, i use a behringer uphoria usb interface for recording these days...............but

installed in my pc is a soundblaster audigy which is old but quite powerful and which ran BIAB midi and RealTracks audio playback with WAS quite successfully and also recorded midi from a midi keyboard controller.

even more surprising, a windows 10 update knocked out the soundblaster until i could find a new driver, and i reverted to the onboard sound from the motherboard.

and it worked.............! so don't give up on your motherboard's onboard sound until you've tried it. you may be pleasantly surprised if all you need to do is create tracks with BIAB then add a track with the midi keyboard