Simply? Yes!
Creative cards suck at home theatre AFAIK. In my main work PC I have a X-Fi Elite Pro which sucks at optical out, so I went down the route of the Auzentech DTS cards for my HTPC, these not only provide true optical out but also encode to Dolby Digital and DTS any stereo output. Have a look at the review
here. I love the fact that my music fills the lounge rather than just a stereo output.
Anyway, for films, AVI's etc I always pass everything optically through to my AV receiver which picks up the correct DDL/DTS/Stereo signal (It has a display to tell me what it is getting) This also means ensuring your codecs are also set for SPDIF - especially FFDShow (which is in the Audio settings)