unless things have changed drastically recently, i would seriously look into a non-creative card. from a pure hardware viewpoint, creative is very good. my x-fi xtreme music sounds outstanding, noticeably better than the still quite good onboard sound through $70 logitech 5.1 speakers. however, the software and features available from creative simply BLOW. my card doesn't have front panel audio connections, digital out (but it has a ****ing gameport, wut?), and damned if i know how you're supposed to get the 7.1 out of it, because it only has the 3 5.1 ports (gold, black, green) plus a shared port that is either mic in or aux out or something like that. i won't go into details on the drivers, but suffice to say all the rage you've probably heard on the internet about them isn't as much of an exaggeration as you would think.
unfortunately, i don't really know how many other options there are for high-end sound. i keep hearing about the asus xonar, but those are almost all about gaming, and i have a hard time believing a general hardware company could put out something that truly rivals dedicated sound guys. way back in the day turtle beach was a good alternative to creative, but last time i checked they are pretty much gone.