Its a good card, but i wouldn't bother with the fatality. If it floats your boat, sure go ahead. I had an audigy 2 zs for years and i recently just bought the X-fi Platinum to make sure I was giving the right advice. I hate to say it, but I was. The crystallizer adds distortion like no other and CMSS takes a LOT away from the sound. My friend swears by the 3d surround function of CMSS, but if he leaves it off, it sounds even better since the sound is unaltered and the headphones are simulating the surround effect.
I recently started doing some audio work again and i have to say, I HATE the x-fi for audio work. It will NOT handle what my audigy could handle. The audio engine constantly shuts down and I have to restart my programs losing my work. I'm working on trying to find a fix for it, but no professional software programs support the X-fi... only the audigy. It would be nice as the X-fi has a MUCH better SNR, but its simply not working.
As for EAX, I noticed no difference in gaming. BF2 sounded exactly the same being set from high to the "ULTRA HIGH X-FI" setting. So, the upgrade from EAX 4 to 5 was not worth it. All in all, its a good card given the fact that you remember to change the mode when needed, disable CMSS and Crystallizer and aren't doing any GOOD recordings. I paid $20 for mine after rebates, so I'm not dissappointed about it. If I had paid full price, It would have gone back ASAP.