A Soundblaster Live 5.1 is a good basic stereo input/MIDI soundcard for the money, if you buy the OEM/whitebox version online for ~$32 + shipping. A $32 card is practically disposable ( -some would argue that the SBL is disposable at any price) but it's still a big improvement over the typical onboard sound-chips many PC's ship with these days.
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I don't see much impressive for the Audigy/Extigy cards; they have the same problems as earlier Creative cards. The noise level of any is relatively high compared to more expensive cards, but certainly not the worst out there, and is still far below a cassette tape. The SBL is 16-bit in and out, but if the rest of your equipment is cheap and/or your recording area is noisy, I doubt you would notice the difference between 16 and 24-bits. Creative cards work well with soundfonts and with games. If you want multiple inputs or MIDI interfaces, other cards are better choices.