melchiz: If you're going to get a dedicated sound card, avoid Creative. They have miserable support, and many of their cards suffer from crackling/popping issues. When Vista came around, Creative refused to release Vista-compatible drivers for all but their newest cards, even though the drivers would work with the older cards. In fact, users who put up custom drivers to enable the older cards in Vista received take-down notices from Creative.
If you're looking for an affordable, reliable sound card, check out the Xonar series from Asus. If you don't need/want optical out, look into:
http://www.newegg.com/Product/Product.aspx?Item=N82E16829132013 For something more advanced (if you intend on hooking up an audio receiver, etc.), check out HT Omega:
http://www.newegg.com/Product/Product.aspx?Item=N82E16829271001 For the best "value" card, look into SIIG:
http://www.newegg.com/Product/Product.aspx?Item=N82E16829270008 Creative is interesting...I don't get what there deal is.
I had an XtrememMusic Xfi and it rocked, then I got a PCIe Xfi Titanium, and it was cool using the digital out but it kept cracking and popping. It turned out my PCI Wifi N card was doing it. WTF? It was also causing a lot of other problems. Good card though.
I have a USB Xfi now on my laptop.
You could probably get an XtremeMusic for pretty cheap, that was a great card. Just don't do it if you use an Nforce motherboard, and check out the Support Pack on Creatives forums.
It's kind of dumb that very few PC games do Dolby and if you want to do EAX to dolby with the Xfi it's just a pain.