Slightly different problem
I've had my X-Fi Fatal1ty for a number of years now (4 years I think?) and until a few months ago it was fine barring the odd minor issue. Recently I've started having random BSODs - not heat/stress related, often in games but also randomly in Windows, sometimes very shortly after booting. Even viewer just gives the generic 'Kernel Power' error which basically means 'your computer crashed'.
What makes me think the sound card is the cause is that often the first sign I'm about to crash is the sound - often it stops completely, but sometimes it screeches and other times (more frequent recently) my headphones will only give me the right channel and then nothing at all but if I unplug them from my X-Fi Fatal1ty's front drive bay my speakers start up playing in 5.1 just fine - momentarily... Then I get a BSOD some moments later.
Other times though, the first sign something is awry is my wireless network card (also in a PCI slot) drops and won't come back til I reboot. I thought it was my motherboard's PCI slots dying but I've done some testing with tonnes of drivers including both daniel_k drivers and several version of the Creative drivers including the 5 year old ones off the CD but I still get the BSODs. Tried enabling/disabling onboard sound in BIOS, no change. I uninstalled the Creative drivers completely and forgot to reboot and this time instead of a BSOD, my sound kept playing but the graphics card crashed, as well as my G15 keyboard being unresponsive showing no fluctuations in CPU usage (a sure sign the PC has frozen up).
I rebooted and since then, I've been using the onboard sound which plays my mp3s in *shudder* stereo and not a single crash or BSOD of any kind.
Conclusion: There was some sort of update applied a while back that probably coincided with when I updated to the latest Creative drivers causing me to think that was the cause (a system restore temporarily fixed the issue but it eventually came back). Whatever this update is, affects the motherboard's PCI bus (and probably the PCI-E bus too), causing data corruption between the 2 devices on the same bus.
I've bought a new motherboard to test if this is motherboard related or sound card related but I haven't got around to the mammoth task of gutting my PC to swap mobos. My gut feel is that it's the sound card's drivers causing this corruption, leading to a BSOD since it seems to have stopped once the drivers are uninstalled. It would also explain a LOT of the previous issues people have experienced.