Most of Creative's cards, starting with the AWE64 Gold already have the capability to use high-quality wavesets for MIDI instruments without having to resort to software synthesizers. The Sound Blaster Live!, for example, came with the 8MB E-mu SoundFont bank, which actually sounds pretty darn good when compared to a good software-based synthesizer. I'm not sure whether or not they still include the 8MB bank with the Audigy, so owners of that card might want to poke around on the installation CD for it.