^ Agreed! I always keep saying these days most speakers have too much bass. But people just WANT bass.. Forget listening to Jazz and Classic music with them. Lows virtually take over the entire song
There are many good sound cards from Creative!
AFAIK, You can get a X-Fi Xtreme Music which costs around 6-7k or a Audigy 4 Series (which is cheaper)
For the speakers, its better if you go for a THX and Dolby Certified Speakers, Which will be easily available for your price range.
I'd suggest you see Logitech Z-2300, A Whopping 200w RMS and it's THX Certified