I am looking to buy a PCI sound card for around $200. I am considering the M-Audio Audiophile 2496, Echo MiaMIDI, or the Terratec Phase 28 24/192. Among other things,I want to be able to decode Dolby Digital 5.1. I have the speaker set up, but I am not sure these cards support this. Does any one know if these card do or can suggest a card with MIDI, full duplex, 24-bit/96kHz converters for play back and recording, and supports for WDM, ASIO2 and GSIF?