Hi:
I sometimes do commercial voice over projects and I use a dynamic microphone with a separate USB adopter (that allows connecting a condenser microphone as well), both from the same reputable manufacturer. They, however, cost together about three times more than PowerDirector Deluxe 10 now.
USB microphones make the best signal processing sense as they amplify and digitize the signal as close to the transducer as possible thus virtually eliminating noise picked up on the microphone's cable. Cheap audio cards or mother-board circuitry are basically a guarantee of more or less of such noise. Good audio cards are also quite expensive and their main purpose is different from reducing analog input signal noise reduction.
There are, for example, a lot of USB condenser microphones on the market but you should do some research before you buy if you decide to go this way as some of the cheap ones may not be very good.
Oh, and cardioid sensitivity characteristics is the most suitable. I can record okay even when my neighbor's dog is barking...