Along came Creative Labs with their AWE32, a synthesizer card that used wavetable synthesis instead of FM.
Creative Labs did wavetable synthesis well before the AWE32 — they released the Wave Blaster daughter board for the Sound Blaster 16, two full years before the AWE32 was released.
(FWIW, I’m not familiar with any motherboards that had FM synthesis built-in in the mid 90’s. By this time, computers were getting fast enough to be able to do software-driven wavetable synthesis, so motherboards just came with a DAC).
Where the Sound Blaster really shined was that the early models were effectively three cards in one — an Adlib card, a CMS card, and a DAC/ADC card (with models a year or two later also acting as CD-ROM interface cards). Everyone forgets about CMS because Adlib was more popular at the time, but it was capable of stereo FM synthesis, whereas the Adlib was only ever mono.
(As publisher of The Sound Blaster Digest way back then, I had all of these cards and more. For a few years, Creative sent me virtually everything they made for review. AMA).