When I was on FSX i was able to listen and speak to the atc with my headset and had all other sounds via my speakers.
I’ve seen a topic about it but in my windows sound system I can’t make any change. i used my speaker via Jack at the rear panel and my headset via jack at my front panel.
It’s a sound setting from within the game settings menu. Not sure what it’s called from the top of my head, but I use it myself, and I get ATC and aircraft alerts through the headset, and the engine / windnoise through my speakers.
In case of Realtek Audio you can split the audio jacks into separate devices when uninstalling the Realtek device in Windows device manager, reboot and then let Windows find a driver.
IIRC you were able to split the output jacks in older versions of Realtek Manager but it seems you can now only do that for the input jacks.
Note that the audio panel jack might have to be set to “AC97” rather than “HD Audio” in order for this to work.