Me, I just use some Walmart specials for $20 or so.
It's not my stereo, though clearly there is a lot more music on my puter than in my small collection.
The feature I want is a hole in one speaker for headphones (my earlier cheapo speakers had such a jack). The speaker jack in the back of my puter is used by the speakers, so I need another jack in my speakers for headphones. There might be an extra jack in my puter for headphones (I don't remember) but if there is, it no longer works. You can tell I'm really good at this stuff.

Headphones can sound almost as good as good speakers (or better), and way better than my $20 Walmart specials. And that way,
everyone doesn't have to listen (and you won't irritate the dog).