Trust me, it is. I know cos it's the sound of the diaphragm/s under heavy stress.
The X-Fi card itself was excellently designed. It was the drivers (both creative and 3rd party) and BIOS that caused the problem (mainly on nVIDIA-chipset based systems). Luckily, I haven't experienced any problems and I had it well over 2 years (with two different systems). My previous system was WinXP Pro X86 with ASUS K8V SE Delux mobo (VIA chipset), and my new system is Vista Ultimate X64 with Intel DP35DP mobo.
PS: The pure sound quality of the X-Fi still manages to impresses me tbh (that is after the July update). And if the culprit was the soundcard, I’d be able hear crackle/popping with my other headphones and speakers
PPS: Creative fixed most of the problem with the July driver update. Even though I wasn't affected, it certainly did improve the overall sound quality of my X-Fi.
BTW, I have the original 2005 card, not the 2nd reversion or XtremeAudio.