Actually I think the blame goes partially to both Creative and Via. Clearly the Via chipset has some issues in how it deals with DMA issues and PCI busmastering. At the same time, as the guys over at viahardware.com state (http://www.viahardware.com/686b_1.shtm), the SBLive series were made without giving consideration to PCI busmastering. (It wouldn't suprise me if some "bargain" sound cards didn't do the same thing). This causes the SBLive! to be a BUS hog. If you have a bunch of other stuff going on over the BUS along with an SBLive! and a Via 686B chipset, problems are a real possibility. PCI latentcy tweaks may do a lot to help alleviate these BUS saturation problems, but I would always be a bit nervous thinking that an "optimization tweak" instead of a true fix was the only thing between me and system stability or a corrupted hard drive.
As opposed to the SBLive!/Audigy boards, it appears both the Turtle Beach Santa Cruz and the Philips Acoustic Edge gracefully deal with PCI busmastering. That does not appear to be much of an issue on Intel based motherboards, but it is with some Via chipsets.
The more I read about this issue, the more I believe that my problems came down to 1) Via 686B southbridge, 2) SBlive! 5.1 Platinum, 3) Hercules Geforce 3 vid card, and 4) Adaptec 2930CU SCSI card (busmastering). If you remove just one of those components (your choice), my system was stable. The easiest item to replace was the SBlive! People who aren't working the BUS as hard may not run into any problems at all and that appears to be the case for the many happy 686B/SBlive! owners.
Get your facts first, and then you can distort them as much as you please. - Mark Twain