actually if you have a decent speaker setup with a good amplifier, and good speakers etc, get a terratec dmx 6fire, this soundcard is way ahead of any creative card. it runs around 100-150 dollars but the sound quality is absolutely amazing. it runs pretty decent with games too. if you just have regular computer speakers than a creative will do, or better yet the hercules xp, or santa cruz.
Athlon XP 1.58GHz | MSI KT3 Ultra2 | 256MB DDR PC-3000 | GeForce 4 ti4200 64mb @ 310/533 | IBM 120GXP 40.0GB | Det. 41.09 | DX 9 RC2 | Win XP SP1