I am contemplating on getting one of these. Both are based on X Fi, so is there any difference between the driver suite (and stability) of either? Both are currently available to me for $140. I plan to use them for gaming on Win XP currently, but will move to Win 7 later. Are the problems associated with X Fi limited to Vista or do they exist on Win XP and Win 7 as well? Personally I like the form factor of the X Fi Titanium better than the X Fi Forte. I am not a fan of long half size cards. and the Champion is currently under discount and I will get the front panel for the same price point. So I would go with the X Fi Forte only if there is any difference in the drivers/stability of the two. One more thing, do both support real time Dolby Digital 5.1 encoding. I read that X Fi Forte supports it, what about the Titanium?