I finally got my X-Fi up and running and it seems to be a pretty solid card (more than can be said for alot of other Creative products).
The crystaliser makes MP3s sound distinctly clearer and the remote and media center style program looks good.
The only problem I have encountered thus far is with BF2. Which crashes to desktop as soon as I select X-Fi quality
This is most likly down to BF2's dubious stability rather than the card though.