Do you have the X3? From what I've read online, you do need the Creative drivers if you want surround sound. Else, Windows stock driver limits it to stereo only.
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To the OP/TS,
You don't want intermediary device but want something that can drive 5.1 speakers. Well, the...
If you can get a GT710 for $20, it will be great as a backup card. My backup card is a GT440 which I've bought for $15. But I do worry that newer platform requires UEFI capable graphics card.
We know scalpers are everywhere right now. Is the price of DDR3 and DDR4 ram sticks gonna increase much? Is there a trend of price increase? How about SSD?
Kindly share your market watch at your area.
For the sake of humanity, it's better to let the older and cheaper build to the folks who really have a need for it. With the current pandemic, parts availability is getting worse, on top of the stupidly high price for everything, including old parts.
Different sound card? No. Different processing? Yes. My ASRock front audio headers are "amped" for headset. I can't plug my headset on the rear IO as the volume will be too low (it's meant for a desktop speaker).
Played Hellblade: Senua's Sacrifice recently on my 5.0 setup. I'm glad that Garm boss fight is made a lot easier with surround sound as one needs to find the direction in the dark.