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I have been using a pair of Roth Audio OLi-RA1 speakers with my computer, they are real stereo speakers and require an amplifier to wire them up and power them.
The are excellent speakers, good general speakers, and not that expensive.
I don’t use a subwoofer, but it isn’t really needed for me, I do miss some sub bass, but that never bothered me.
I am currently running them with a no brand Chinese analog amp, from the soubd out on my monitor that is connected to my computer with DisplayPort.
Works great.
I sm considering getting a Dennon RCD-M41 tl replace my amp, but have not had any need to do so in the last eight years.
Please don’t be too harsh on yourself, you don’t actually know that it would have been a good idea, it is impossible to aay if it would have been better or not.
You took the logical route, finnishing your education, which opened other doors for you.
I tend to see life as a game where you are given a set of playing cards at birth, you gradually take over control of your deck as you grow up.
You play your individual cards with the knowledge you have, and every play can give you even better cards to use later.
You have no idea if you are about to get your next break, you can only play your cards with the knowledge you have.