5.1 and headphones

That's a speaker/amp feature. Some powered speakers and some component speaker amplifiers have a headphone jack on the front that, when used, disables the speaker output.

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I thought the audigy 2 didn't use the mic port when doing surround. Even the audigy 2 value has separate plugs for front, rear, center/sub, mic, linein, and digital. Is it an old audigy 2 revision or something?

<A HREF="http://www.folken.net/myrig.htm" target="_new">My precious...</A>

With an audigy 2 value or higher soundcard you can use 5.1 headphones and a mic at the same time because there are separate plugs for each of them.
If you don't have that you are going to have to continue what you are doing
It would be a little easier if you ran an extension cable off the mic plug or something, then you don't have to reach behind the computer every time.

<A HREF="http://www.folken.net/myrig.htm" target="_new">My precious...</A>

Radioshack they have a switch for you its like 10 bucks. is just what your looking for!!!

http://www.radioshack.com/product. [...] _id=26-204

Catalog #: 26-204