I would pick the Santa Cruz also! It is a very good sound and has very good driver support. Latest drivers for it are barely a month only for windows 2000/XP and windows me! They are dated 1/10/02!
They update drivers every 3 months at least if not more! They were the first ones to have windows xp drivers too which was like 3 months before windows xp was even out! Driver support is always a very important thing. This sound card also sounds very good. I use my Santa Cruz with the Logitech Z340 2.1 speakers and i love the sound quality! No cracking, no static, nothing. Just crisp, clear sound!!!! I mainly play games when i am using sound and i like the sound for games very much. So far played pretty many games and everyone sounded great!!!! I got the card on sale at compusa. It is orginally $79.99 without the sale but they had a $20 instant rebate going that week and i got it for $59.99 plus tax so i end up paying $65 for the Santa Cruz retail which was not bad at all. I am sure this sound card would even sound even better on 4.1 speakers but i did not really want to spend $140 to $200 on 4.1 speakers right now. But i do know with just my 2.1 speakers i have not taken full advance of this card yet intill i get 4.1 speaker. BTW i tested some music but i do not really listen to music or like music and i thought it sounded excellent!! Remember i am only using 2.1 speakers too so i am sure it would sound if not 10 to 100 times better on 4.1 speakers with this sound card.