I have the creative x-fi titanium hd and yes IMO it is a better card you can change the audio chips as well .
The price of them has "dropped through the floor" mine cost only half-price from PC world and at least until recently could be had even cheaper .Because it was more aimed at Hi-Fi enthusiasts than gamers. not because of inferior fidelity
OR you can if you have the money go for creatives latest card -just out its ZR--something got an email from them last week. It has the additional ability to be switchable for head phones--124DB -noise/dist.
look up their website.