anything under $100 is gonna be preaty much a budget card. used for gaming to provide better 3d quality than onboard.
there is a preaty good price jump between budget cards and "good" cards.
you may find another creative card under $100 thats betetr than the live
sorry for the newegg link, i saw you lived in canada, just useing it as an example.
but you probable wont notice much, if any between that card and the 24bit live! card.
did you notice a diference between onboard and the live! card?
im guessing no, thats why you took it back.
it will kinda be the same with the live! card and the Audigy2