Any money spent on a sound card is better off spent on speakers and a good DAC, which often come together.
True, and you'll never get good speakers from Creative. They offer some of the worst sounding speakers I've ever heard. Including those bare speakers from Radio Shack.
In fact, when one speaker blew out on my old PC speaker set (a Harmon Kardon set, I believe), I couldn't actually find anything reasonably priced that didn't sound like crap. So I picked up another one on eBay from a guy who blew out his sub. When they die, I'm going to get an amp and use bookshelf speakers with a real sub.