I know you said you hate having a headset on because of the nice audio you’ve got going on, but truth be told, if you don’t want the audio being picked up, you are going to need a pair of headphones to keep the sound out of the mic, whether that’s an external mic or a mic attached to a headset.
My solution for you is to pick up a pair of comfortable headphones that don’t distract you too much from playing (I hear open ear headphones are the most comfortable), and making sure they have the 7.1 surround to give you the same kind of experience. I use a headset now that has 7.1 SS, and the disparity between that and my own home theater system isn’t that bad. It’ll never be amazing, but when you’re streaming, you don’t really need it to be.
I didn’t read far enough. I didn’t realize you weren’t doing streaming. While that is fine for you, you still have to consider those who will be listening to you. No one likes that guy with the mic that picks up all the in game audio as well, especially if you listen to your games loudly (I certainly do).