PCI card that can do 5.1 DDL over optical

The D1 doesn't need an additional adaptor. One comes in the pack.

Another alternative is the OEM X-Fi SB0770, which can usually be found farly cheaply on the bay (often cheaper than the Xonar). It's often listed as an OEM X-Fi Xtreme Gamer or Xtreme Music (sometimes Dell or HP). It's essentially a PCI version of the Titanium, with optical in and out but has never been a retail version for some reason. It doesn't come with DDL as standard but you just need to pay US$5 to Creative's US web store and DDL and DTS connect will be activated.
 
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