I have one installed as I type. I use it for the H/R.com audio chat function. It's quieter than the SoundBlaster.
Quite acceptable for learning the ins and outs (sorry about that) of digital audio recording AND MIDI, since this card has a MIDI synth that compares favorably to the SB entry.
The only real gripe I have are those horrible miniplug connectors. Real cards have at least RCA and preferably 1/4" or XLR connections for the analog ins and outs in addition to one or more of the 3 main digital alternatives.
But the Montego is a great card for the price.