The SB16 is a near full duplex card. It can record at 16bit while playing back at 8bit (simultaneously). It is noisier than hell and sounds like crap.
However, the issue of "cables" isn't really a big one. A "Y" cable, which is what you'd need, is a very common thing to come across. No matter what kind of gear you get you're going to have to have the right cables to hook everything up together.
The audiophile has RCA connectors. If your behringer has 1/4" outputs, then you'll need 1/4" to RCA cables, which are also somewhat common.
The difference between 1/4" and RCA is first convenience. It's just plain easier to plug into 1/4", and most of your cabling is probably already 1/4". Now some soundcards have 1/4" *balanced* inputs, which can indeed be of benefit if you're making long cable runs in a noisy (RF) environment. There is no such thing (to my knowledge) as a balanced RCA connector.
The difference between the audiophile and the SB16 is tremendous. First of all, your noise floor will drop from -30 or -40db down to -70 or -80db. Secondly, it will simply *sound* better. The A/D converter is probably the most important component in any digital system. All converters will "damage" your analog signal, and you want to use converters that do the least amount of damage. You might not be "hearing" your soundcard yet if you're just starting out. Trust me, the difference is night and day. And after a time, you'll probably start hearing the audiophile and you'll make adjustments accordingly. (and you'll ditch the behringer too, haha) The audiophile also lets you work with 24bit audio, and at much higher sample rates. The higher the fidelity you capture, the better DSP can sound. Finally, the audiophile will give you low latency mixing options either via WDM or ASIO. In other words, when you make a fader move in n-Track, it probably takes about a quarter of a second for you to hear the results of that move...so you end up moving faders in little annoying jerks. With low latency drivers, you can take that latency value down into the < 80ms range, even with a lot of tracks. Faders and such will begin to respond as though they were "real".
Yes, the audiophile will work with n-Track using WDM, ASIO, MME, or DS drivers.
Slackmaster 2000