It's funny you mention the Xtreme music as I still have that card but I messed up the area where you screw it down due to a cheap case which wouldn't house the card properly. I'm using it now but would prefer to just get a new card, preferably the Titanium Fatal1ty as it's the cheapest shielded (decent) X-Fi card.
Sure the Creative drivers are crap, but they get the job done and I still love what I hear from them coupled with my basic Logitech 2.1 2300 speakers. I've had a Cambridge A5 amp with Eltax III mon's before and liked them just the same, so it's not really a question of wanting the best sound.
As for the 2 TB drive, I'll just be using it to store media files which won't be accessed often. The Seagate seems to have better writes than the WD, but I've always used WD and never had a problem so may just go that way. Thanks for the heads up.