I had some Audio-PCI based SB 128 cards. I remember them refusing to play the audio streams of two programs at the same time. Also I had some small isssues with directsound games and playing MP3's. The MP3 issue had a fix though. These cards have no daughterboard header.
For your requirements the Vortex-2 cards are a good allround choice. They are the best card for A3D game environmental sound. A3D is told to soudn very good, but it was only supported by a few games. Vortex-2 cards usually come with a daughterboard header.
Emu10k1 based cards like the SB-Live! and Audigy-1 are not a bad choice either. They are the best cards for EAX game environmental sound, which is much more common than A3D. They have no daughterboard header. I read some complains about 48KHz resampling artifacts, and about system incompatibility, but both issues are debatable. I for one don't notice them.
The Turtle Beach Santa Cruz soundcard was highly rated at the time (chipset CS4630). It has a daughterboard header. It does both A3D 1.0 and EAX 2.0. But it has it's own implementation on the resulting environmental sound.
I do not know much about any later cards, as they are more windows NT/XP aimed anyways.