I just bought the Creative ZX and very much like it. Price is around $150, though stock might be a little hard to find right now because it just came out. I used to use a Creative X-Fi Fatal1ty and have also used an Asus Xonar Essence STX, and I do think the Creative ZX has been the best card overall when you consider sound quality, gaming features, and especially drivers/software.
I'm running Windows 8 and using Klipsch Promedia 2.1 speakers. The Klipsch Promedia 2.1 speakers are great for general entertainment, music and movies, but speakers like the M-Audio AV-40 are significantly clearer if you don't care about having heavy bass.