First off, Creatives cards are hit or miss. If you have a nforce motherboard, don't even consider a Creative card.
If you are willing to take the chance, the Creative card is the best all around solution.
If not, you have two choices:
The ASUS D2 (or the PCI-E equivalent, the D2X) is better suited for a htpc than for gaming, but does both well.
The Razer Barracude AC-1 is a good budget sound card that I personally think sounds better than creatives cards, but only recently got signed drivers for 64-bit vista (after two years of waiting...).