Here's my take on the matter:
I'm pretty PC literate and I bought a second 7200rpm hard drive for our home PC, bought GigaSampler and Cakewalk, and who knows how many audio cards. How much recording did I get down in the last year? None. I was always messing with this or that and it ended up being a big time-sink and money pit. I was frustrated.
After considerable research I bought a Yamaha AW16G Digital Audio Workstation for $1000 new. I plugged my arranger into two stereo ports, my Millenium digital accordion into two stereo ports, read the Yamaha Recording 101 QuickStart guide, and recorded my first song in the first hour with the AW16G. I burned it onto a CD with the built-in burner, ripped it to an MP3 on my PC and posted it on the Internet all in the same day!
Since then I have probably recorded 50 songs and played a lot with the built-in samples, libraries, tons of mix-down effects, etc. It has been the best money I have ever invested. There is an online community at
www.aw16g.com that has a FAQ list with every single question I could ever imagine on it. What a resource!
So for $1000 I have 16 inputs, both XLR and 1/4", mastering effects, 100+ virtual tracks, and a built-in CD burner! I can't imagine ever going back to trying to get that damn PC working again.
My advice is to save up another $600 and buy the Yamaha. I looked at Zoom and Fostex but neither of them did anything to me. I even thought about the Creative Nomad. I'm glad I didn't buy it because it turns out I needed the extra inputs for the Millenium, not too mention the four-band EQ on each channel I am so fond of now.
Good luck with your decision. I'm sure there will be posts from people here who got everything to work on their PC the first time and made great recordings for $100. I just wasn't one of them.
Tommy