When I got the X-Fi Fatality FPS, it came with a front panel and a remote etc, for the short period that I actually got to use it (with all the lovely features you expect from creative, such as popping and crackling), I loved having my speakers plugged in the back and when I wanted my headset for gaming, I would just slot it in the front which auto muted the speakers.
Its a shame that creative support is so poor otherwise I wouldnt have to look for a new card. I know that if there was a card that came with a front panel it would probably cost a bit more than I have available anyway.
Seems like I will just have to get use to crawling under my desk. I will take the D2 as it seems to suite my needs, I see it has LED's so its easy to spot the right sockets. I dont see myself crawling under my desk very often as I prefer wearing my headphones anyway. Its a shame I dont see any soundcards that come with a front panel (maybe im looking in the wrong places) and I dont fancy buying a Creative card just to "try" and make use of it.
You never know, maybe I can get the onboard sound to work for my Speakers and then just keep the headphones in the card and switch them around (as suggested), its worth trying atleast and cant be any more complicated or as frustrating as dealing with creative drivers.
I believe going by the Soundcard choice that, unless I change my mind before Friday 30th of July (my pay day) my final selection is:
G9X (because im a claw gripper, yes I know im weird lol)
Xonar D2
Sennheiser PC360 (to get the most out of the soundcard and because of my preference to the large ear cups and over the headband)
Thank you again for all your help, both of you.