PCI are by far and away the best. A large part of reason for this is the amount of heat these things produce- They ROAST!
Avoid Freecom at all costs- No BDA drivers (Will only work with thier rotten app & not MCE compatible).
IMHO, by far & away the best of the cheap cards is the Lifeview Duo series- Analog/ digital tuning, halfway decent software (Currently supplied with a cutdown version of Power Cinema) and the best reception I've found.
Only problem with these is that they are harder to find than some of the other cheap brands, but they are much better.
You will never get any sort of a picture with the included aerials unless you are living right next door to the transmitter; Carp
A decent indoor aerial will do in many cases, but you may need to go to the full outdoor variant to get properly working digital.
-Leezer-