Well, I guess I didn't mention that I've been using an HTPC for several years now. I'm sure that the sound card signal level is strong enough to drive your amp. It's essentially the same as setting the preamp's volume to 0dB (no gain, no attenuation, if they implemented it right). You can do EQ in programs like Winamp, at least for music playback. I think some of the movie playback software will also do some EQ, but I've never used it (TotalMedia Theater is my new favorite movie player).
I still use a preamp between my PC and the amp for a number of reasons, but it's not necessary if you don't want it. I happen to feed it a digital signal, so, yes, you'd have to go analog out of your PC, but I think you know that. You noted sound cards in the $250 range, and I would consider that an upper end sound card. I would not expect a top end sound card to have low SNR, though the on-board audio on my Dell most certainly does (it probably cost $5 or $10 to put that on the board, so it's no surprise that it's noisy). But it should be easy to find a sound card that doesn't have low quality or low SNR.
I feed the on-board analog audio on my new Gigabyte motherboard, to a second zone receiver that powers a set of speakers in my family room and a pair on the patio. I have no problems with that setup, but it's not for critical listening -- I don't notice any SNR issues, but I bet they are there.
Good luck!