Another vote for the Santa Cruz. If you use headphones, this card is amazing, and for music playback it can't be beat. It's definately no slouch in games either. I decided to pick up a Santa Cruz over an Audigy since the SC has way better driver support than what Creative Labs offers. The SC is a good, solid, worry free card that sounds great. Sure, there's no FireWire, but there *is* the VersaJack, which helps out if you use more than one output for your sound and don't wanna crawl behind your computer every time you wanna change the output.
If anyone disagrees with me on the driver support issue, try finding me some Win98 SBLive! 5.1 drivers on Creative's web site. SBLive's still do sell as budget cards and many people use Windows 98 still (not on this forum, perhaps, but the general public does), but finding drivers for em is an exercise in futility. Not so, with the SC. Drivers are updated regularly and are available for all OS's.