The 'puter's audio adapter will provide only a line-level signal, nominally a maximum of 2V, in actual practice often much less. This is enough to more or less satisfactorilly drive most consumer headphones and to produce intelligible sound from smaller, very efficient, low-compliance speakers. For an improved listening experience, powered speakers, which incorporate their own amplifier(s) are necessary. Pricing for these runs anywhere from around $20 on up - way, way up.
Just about all computer audio solutions support stereo line-level output, even those found in laptops and handhelds which have only a single built-in speaker. More advanced audio solutions will support multi-channel audio, such as that found on DVDs. There is little point purchasing a speaker setup which is beyond the capabilities of your audio solution. Consult the documentation for your audio solution, or go through its settings and options pages to determine what audio formats yours supports, and in what manner it implements that support.
If your audio solution is capable only of 2-channel stereo, a 2-channel speaker setup is all you're going to need - though a separate powered subwoofer always can be added, and subwoofers often are components of better 2-channel systems. Systems designed to permit their speakers to be used near monitors (Computer or TV) will have properly shielded speakers; don't place unshielded speakers anywhere near your monitor.
Just FYI, the audio setup for my main computer involves sending the optical output (TosLink) from its fairly advanced, upper-end audio solution to a 7.1 channel home-theater-type amplifier, which drives 7 full-size bookshelf-type speakers and controls a pretty authoritative powered subwoofer. The system is capable of several hundred watts of amplification, providing very high, crisp, clear, undistorted volume and room-shaking base. It is in all respects the equal of a respectable home theater AV rig, which, after all, is what it is. Rarely do I drive it hard, but the overall listening experience is quite satisfaciory for even critical music listening. And besides, there's a huge jaw-drop fun-factor to be had through stunning unsuspecting guests and visitors :cool:
Additionally, the outboard full-featured stand-alone amplifier solution affords considerable flexibilty in the matters of audio input and audio archiving. Output from peripherals connected to the outboard amplifier (cassette deck, CD/DVD player-burner, turntable, VCRs, etc) may be directed to/through the 'puter, as well. Of course, such a solution involves all sortsa physical equipment and wires and stuff that generally tends to irritate helloutta wives. Ain't cheap, either.
Sure sounds great, though