i own the zs platinum. it has the "what you hear" option on it, idunno what you're talking about it not having it.
I love the card, it's paired with my z5300e speakers. the live drive is absolutely the most useful thing i've ever seen. the remote is stupid. I'm going to guess you'll be happier with either card, but this guy has worked flawlessly from the get-go and i've never been happier with a card. the quality is great, and it's got plenty of ins and outs.
and, for background, i do work for an audio productions company, so i know a thing or two on what a sound should sound like.
www.bassnoteproductions.com