Well, the work-around is to just put in a system card...not a huge deal.  Then I just have to deal with the lack of CD audio.  That could be an unrelated problem...hopefully a cap, a trace, an op-amp, etc.  Of course there could be a bad DA converter in there too, I guess.
The good thing is that it functions 100% on the HuCard side, so at worst, it would be an over-priced PCE.
It's not super cheap, but not super expensive, either, considering these go for $150 and up when they (supposedly) work.  Well against your advice, I'm gonna grab it  :-"  
Hopefully I'm not making a mistake.  I'll do what I can with it.  If I can fix the audio, I'll be happy.  I don't  mind having a system card in there to use the CD side of it.