I just got the Sound Blaster Z card...haven't used SB card since the PCI Sound Blaster PRO 16 since I had a USB headset. However, out of all of my PC components good directional sound is the only thing lacking.
I have a young kid at home so I can't use speakers I can only use a headphones. However, all the Surround Sound Headphones seem to be USB headphones which utilize the less than stellar sound processors...currently I have the Logitech G93 Wireless Headphones, I like them but I want to experience better quality sound.
So I bought the Sound Blaster Z card for $20 I figured it was a steal...however I don't have headphones to use the card with...every headphones I've seen are USB and I am hard pressed to find a good quality sub $130 surround sound (5.1 etc) headphones that employ a 3.5mm jacks.