pci cards in modern PCs got a lot off issues especially snap crackle and pop problems
No, they don't. Thats sorly a Creative problem, a problem many can re-produce on their PCI-E products. PCI was just a scapegoat to cover for their shitty drivers.
Of the 3 cards the op listed, the ASUS Xonar DG is the best of the bunch, by far.