ya know, I find it amazing that no matter what question regarding the Audigy is posted, some anti-Creative zealot will always chime in to plug his own useless .02.
tjdavis,
Back to your original question, I have all three versions of the Audigy running under WinXP. They all work great.
Gamer = game bundle
MP3+ = Recording software
OEM = just Driver CD
Physically, the OEM has color-coded plastic/tin connectors vice gold plated ones found on the retail versions. Other than that, the cards are identical.