so im trying to decide which would be a better deal to go with my pod hd. i read a lot of people saying that monitors arent for playing with, they are only good for making sure your mix is just right. and they say a good set of computer speakers would be much better. how true is this?

my budget for whichever is better is max $200
I don't know about computer speakers necessarily, but what they say about Monitors is sort of accurate. The average person isn't gonna like casual listening on them.
Monitors would be the way to go imo. They are FRFR so they won't color your tone at all, which is what you generally want for modelling. I hear good things about the KRK Rokit's. They would be above your budget brand new, but you could probably find a used pair pretty easily.