If you are going to pay the high price that Creative charges for their "junk", then you might as well buy USR. At least then you know you are getting at least reasonable quality hardware.
A USR "Performance Pro" PCI internal fax/voice V.92 modem is what you are looking for.
Edit: Btw, none of those modems on Creative's site, save for the external serial model, are hardware modems.
USR also, at one point, sold a group of hardware external modem models, that could double as a voice/fax answering-machine (even if the computer was off at the time). However, they were around $300, which is practically the price of an entire PC these days.