I know creative has some inexpensive versions of the X-Fi coming out, which is a very capable sound card. Unfortunitally, the drivers are still in beta. They work ok for the most part, and I have sound using my X-Fi on Vista x64. I have had no serious
issues that I can tell. But I cannot get my music to play over 4 channels, just 2 channels only. =( Games play in 4 channel though, so I'm not sure what's going on.