Drivers were mainly why I went with the HD (that, and I'm an old school analog audio guy). I've had absolutely zero issues with it; it just works perfectly.
It looks like the Fatal1ty's drivers were similarly done (e.g. no XP support).
But, even taken with the required large grain of salt, Newegg reviews of any Creative card give one pause. It almost seems as though it's either going to work for you or it's not, and you just have no real way of knowing either way.
I also have the PCI version of the Fatality in my last build (XP), and it has worked perfectly from Day One also. Mabye I'm just lucky. But I never had any intention of trying to get it working with W7.