I have an OEM Audigy, and it's an okay card. I'd think twice about spending $150 on one, though. If you're talking about soundcards in the "well under $100" price bracket, the Audigy is probably the best you can get... the competition gets a lot stiffer over $100 though, and you might be able to do better with something else.
I'm not sure what the Audigy Premium XP offers in terms of connectivity, but the basic Audigy has a minijack out, and one minijack for BOTH line-in and mic-in. These are not things I would pay $150 for. Creative has historically offered the same card in every package, and just changed the bundled software and added a Live/AudigyDrive, so I'm just assuming that the card itself is the same. And although I needed to have an Audigy for my SoundFonts, I thought I'd be able to use it as my only audio solution for a while. Now I've only had it for a few months, and I already want a second card for digital audio. Even my old SB64Gold had gold-plated RCA line-outs and seperate mic and line ins.