Hmmmmmm, sounds to me like you can help out in the audio forums, but for PC gaming you may have a biased opinion.I like PCI board sound cards. They have alot of great software that you will never get from those AC7 onboard things. They are just fine for quality, but I like the software package.
For gaming, not really sure what the benefits are. I use mine mainly for recording/sound editing/ etc.
Gaming? Probably one of the X-Fi derived cards from Auzentech. With the SoundBlaster based cards, you can run EAX in Windows 7 via Alchemy for DirectSound titles. That is, if you play any games that make use of EAX.
This. I gave up on Creative cards and with with the Auzentech Prelude a couple/3 years ago. Although HT Omega makes a decent card too (Striker). Basically it boils down to personal preference. A casual/occasional gamer might be satisfied w/onboard. My 2 cents