I use FL Studio a lot, it's great.
Don't waste money on that Creative, or on 'better' motherboard audio. Much better to get an outboard audio interface. I have a Zoom U44, but there are plenty choose from, e.g. by RME, Audient, Steinberg, Tascam or Behringer at the budget end.
At the very least get one with good ASIO drivers for low latencies. Also look at what inputs and outputs are needed, e.g. inputs for keyboard or guitar or microphones etc., and outputs for monitor speakers, headphones etc.
EDIT: Just looked at the budget Creative card. At that price you could do a lot worse than this for audio work:
Buy Behringer UMC22 Computer Audio Interface. Free delivery and returns on eligible orders.
www.amazon.co.uk
My U44 has all those but crucially (for me) has digital audio out (S/PDIF, both optical and coaxial) which lets me connect it to my hifi amps too.
Would add that
the most crucial thing for digital audio workstations is single-threaded CPU performance. Not overall performance. Some aspects can be multi-threaded but in the end it all goes to the audio buffer in a queue, so the CPU needs to be nippy for single threads.
I now have a Ryzen 5 3600 and it's great (I also use my PC for video stuff). Before that I had an Intel i5-4690K, which was pretty good for FL Studio.
Hope that helps