I'm not sure of pricing across the pond, but I think a good place to start with speakers / soundcard budget is 2:1.
I'm guessing you're maybe closer to a 1:1 ratio with your current plans? Not a huge deal, but your end product might be better if you spent more on the speakers and spent less on the soundcard. There have been some very good X-Fi deals lately over here that kind of makes the point moot, but if something along the lines of an A2zs is significantly cheaper where you are it might be a good option for you if it means increasing your speaker budget.
If you have specific plans to use the surround headphone feature of X-Fi etc., then I'll shut up 🙂