Well, I am out 5.25" bay. Unless I sacrifice one, it is down to either the Elite Pro or the Extreme Music (and a DAC next year). And I don't see much point in getting an in-between card since I read that only the Elite Pro has a good built in DAC.
In the UK at least, the Elite Pro is about 2.5x more expensive than the Extreme Music. Sounds like a lot, but maybe not THAT much when you consider the extras you get with it. So I am not sure. An external DAC is a considerably more expensive option. The MicroDAC ALONE cost almost as much as the Elite Pro. And I don't know if the cheaper external DAC compares to the Elite Pro.
Edit: Actually, once I add the postage and cables, the MicroDAC will end up costing as much as the Elite Pro. When I look at it this way, I think I've just answered my question. I am going Elite Pro.