Me personally I have one good reason for buying a creative card, or any sound card for that matter. My reason is that I make music with FLStudio, and I find that the motherboard's integrated sound solution just doesn't make the cut. With the motherboard's sound, no matter how I set it, I can't find a good buffer zone, it always clips, on the other hand, with a real separate sound car, I can find a good setting and work normally, without any clipping from the latency.
Another "pro" for a creative product, game companies deals with them by the ton.
For the cons:
The first con is personal, I hate creative for making me pay over 290$CA for the SoundBlaster Audigy, when now I will soon get the SoundBlaster Audigy 4 for about 55$CA, of course brand spanking new.
The low price is the result of Creative being terrified by the fact that motherboard's integrates sound in their boards. Before it wasn't the case, but nowadays, motherboard's sound solution is getting closer and closer to the sound card quality. To the point where Creative can only state a 15% greater performance than the motherboard integrated solution. It's not me who says it, it's written in their website.
The other cons for creative, in part it's the same a
Jebus posted a few post above. Minus the bloated software suites, I do not and will never install those software's from them.
(Damn these smilies are ugly, the winking one seems to be having a cramp instead of winking)