I can only say that the motherboard sound is pretty good. That sound card is probably a little better, but unless there's some critical feature I wouldn't say it's $80 better.
Onboard sound quality is generally good, but if you believe the Creative propaganda - subject to noise, less capable, uses CPU resources, etc etc . Personally I have an X-Fi Platinum but it sits in my parts drawer because my onboard Realtek HD audio is more than adequate for me, esp. coupled to my Klipsch speaker system .
Creative bundles a ton of software with their cards, but most of these are toy apps that you'll probably stop using after a short while. If you're serious about sound quality, there's better cards than Creative anyway.
Onboard sound has a propensity to use CPU cycles to operate, while a stand alone card does not. I've always gone with a stand alone sound card because I think it sounds better and keep the onboard sound from hogging up the CPU. Granted, that's just me, as I am sure that others will disagree. If you are a gamer, a stand alone card like the titanium will potentially speed your gaming experience a few FPS by freeing up the CPU just a bit more. I have the x-fi titanium and I love it; sounds great and loaded with some usable features.
Onboard sound has a propensity to use CPU cycles to operate, while a stand alone card does not. I've always gone with a stand alone sound card because I think it sounds better and keep the onboard sound from hogging up the CPU. Granted, that's just me, as I am sure that others will disagree. If you are a gamer, a stand alone card like the titanium will potentially speed your gaming experience a few FPS by freeing up the CPU just a bit more. I have the x-fi titanium and I love it; sounds great and loaded with some usable features.
That was true back in the 486 or early Pentium days, but modern 2.5+ GHZ multicore CPUs are barely loaded by sound-processing tasks. You can easily test this by playing some MP3 tune with all the sound & room effects enabled and then checking task manager's system resource usage. Also, remember than an iPod or other music player has to use a comparatively weak CPU to process MP3 decoding & playback, in order to conserve battery life. So that alone should be a big clue as to how much processing power it takes.
I haven't noticed any difference in gaming or quality or anything else since I pulled the X-Fi out of my rig and used the Realtek onboard HD audio on my 690i mobo and QX6700 CPU.