Not wanting to scare you Stelly, but a friend of mine has just had a RAID 5 setup on a 680i motherboard disappear (I think it was the 680i's on-board controller). BFG (the manufacturer) can't help him, he's lost a lot of data, and has got a 1GB NAS (Raid 1 I think) instead.
Hope that helps with the decision.
This was part of the reason I went for the card option myself. Not only are the motherboard chips inferior and can cause horror stories such as the above but they don't necessarily make arrays that are compatible with other boards raid controllers - when you upgrade you'll be very lucky to find your array works on your new board. Plus, if your motherboard goes pop you might struggle to get hold of one a year or more down the line.
I chose the LSI card in the end because LSI are one of the main manufacturers of enterprise-class server raid cards (hence the pci-x interface) so you'll always be able to find replacements if your card breaks and most of the cards are cross compatible with each others arrays.
See if you can find the equivalent PCI-E version of my card somewhere for a decent price, go on, you know you want to
