Chipset audio, like realtek and the like are quite crap for making music.. they give a very inaccurate representation of the sounds because they are poor quality (cheap) converters... their frequency response is usually far from flat.. :/
If you want a part gamer card and part music production card at a decent price consider an M-Audio
Revolution 5.1 (3 stereo outs) or
Revolution 7.1 (4 stereo outs). They are not going to be as good as a 2496 but come with EAX drivers AND ASIO2 drivers.
The SBLive and audigy cards are first and foremost gaming cards, they have poor drivers for serious audio as some people have outlined.. (lets also mention that some of them have locked sample rates) furthermore, their analog converters arent particularly good (they used better ones on the rear outputs for gods sakes).. their 24bit implementation is substandard.. and if you want to use them via ASIO you pretty much need to sacrifice the gaming counterpart by installing the
KX Drivers for them.
If you can give up the eax effects in games, go an
Audiophile 2496.. and if you can afford it.. get an external interface, like a
Firewire Audiophile.. Reasoning behind this, as someone kind of outlined below is an internal PCI card can get interference from power supplies, hard drives and various power cables and fluctuations in your pc, creating general noise and/or buzzing... the external box is regulated from a wall outlet, or firewire.. and has less things zooming past its circuits to interfere (fuck i'm technical!.. zoom zoom! [ugh.. long day]).. it can also sit nicely on your desk for controlling the headphones and plugging your ins/outs :P
To add to that.. again... if you are using or planning to use studio monitors you might want to invest in an interface that has balanced outs.. using balanced outputs gives you even less noise from the source to the speakers.
and finally, i'm using a firewire audiophile.. cant recommend it enough for the price you pay ... tho if i had the extra cash at the time i woulda got one with a mic input and balanced outs... (and maybe a few more outs for good measure)