I assume you made a typo and were thinking about mid 00s, as my memory tells me that motherboard audio was really rare thing in mid 90s.
It started to become common after Intel's AC97 standard. (I'd call that more late 90s... That is late 90s, early 00s possibly by the time it started to spread.
So that makes sense.
I'm pretty sure it's a rapid change almost immediately after AC97. In 1998 it's cool if your new PC has built in CD quality audio. In 2000 that's a basic feature like colour graphics, if your PC doesn't then it sucks.
The moment average 16 bit DAC become cheap and games stopped using builtin synths/MIDI it was over, CPUs were fast enough that offloading audio was not a big deal any more and anyone could make good enough one. EAX was fun gimmick but exclusivity probably hurt the idea in the end
If I remember correctly it was a SB Live's drivers that kept on crashing playing Quake 3 on my dual Celeron 533 MHz setup (Abit BP6). Had some mails going back and forth with the Creative support about this specific multi CPU setup and they rejected fixing their drivers because it totally was a niche back then. 18 year old me swore to never buy Creative again and I did so. Today I agree with the support's response but it quite upset me back then.
My counter was that while it’s true that Creative Labs is garbage and so is everyone who works there, that’s doesn’t excuse the fact that Windows’ popularity hinged substantially on a permissive driver model and therefore any crashes of Windows allowed by this decision were equally Microsoft’s responsibility. You don’t get to reap the rewards and disavow the blame for the consequences.
Their initial Sound Blasters made them my default choice in the 90’s, but by late 00’s I vowed to never buy them again, their hardware became overpriced, unreliable and they were user hostile.
It felt like they’ve been coasting from their good reputation in 90’s for a long time now even though they don’t deserve it any more.
My friend in late 90’s got a Sound Blaster live or something. In the early 2000’s you could download driver updates off Creative’s website for their stuff, but if you lost the original driver CD you, you had to find drivers elsewhere.
There was a story of how some guy patched their binary driver to fix a long outstanding bug and at the same time discovered that it was trivial to upgrade the sound card by tweaking the driver and of course Creative got all hostile.
My brother had their WoW headphones and it had a bug where the mic would get progressively softer the longer he was using Ventrillo or Skype and he would have to periodically jump off and back onto the call.
Generic motherboard audio by the mid 90’s was for most purposes as good as Creative stuff, but Creative used patents to artificially keep them from being better, while not making amazing stuff themselves.
When Vista deprecated hardware accelerated audio in Windows and Creative labs moaned about it, I had zero sympathy.