Never hear the zune but have listened to the zen xfi. creative has included its own xfi technology in the player, with the crystalizer turned on music sound fuller... included earphones is better too & block out noise. i find this quite a good bundle. hope this helps.
I havent heard the Zune but X-fi is not for me.I bought and sell it in two weeks.If you listen to Classical music like me I think thats not so good.The soundstage is narrow for my taste.I turned back to iriver and bought Clix+.I am very happy with it,
But..IF you do listen pop,rock or electronic music.X-fi is great with it x-fi on.I never call it bad but its a matter of taste..