I also listen to music alot, but I also game quite a bit. From what I've read the cards you reccomend kill creative in everything but gaming.
From the reviews my impression is that they don't really significantly lag Creative in gaming. Buying audio is really tough if you can't actually listen to it be it cards, amp/receivers, or especially speakers given how subjected audio is even at the high end. On the upside, higher end audio is a lot cheaper than high end video