Occasionally when the computer is booted up, it forgets the x-fi is there, detects a multimedia card but cant install it
A reboot fixes that, but thats just me wanting to run both at same time. If you disable the onboard its fine.
Its hard to explain the differences. Ive got a Creative 5.1 kit, quite old, and the sounds are just clearer and thats just playing music etc. My speakers arent setup for full surround sound yet so Ive not tested the games, but i can still hear the clarity difference
Quick note, dont get the latest drivers...it forces the centre speaker through the sub for some reason