Here is something you might like. I use it and I'm happy with it.  Clarity of the sound is perfect and you can use FSFDTCP on FSInn to separate the voice from the engine sounds mimicking a real thing.  Because it comes in both USB and plugs for the headset, I use the USB which basically mimics a separate sound card, that is how I am able to separate the two.

http://www.soundblaster.com/products/Sound...ic3D-Alpha.aspx

Another alternative:
http://www.soundblaster.com/products/Sound...ic3d-Sigma.aspx

And its full line up:
http://www.soundblaster.com/gaming/headsets.aspx


Here they are for $49:
www.amazon.com/s/ref=nb_sb_ss_i_3_20/182-4717329-1373234?url=search-alias%3Daps&field-keywords=sound blaster tactic 3d alpha&sprefix=Sound+Blaster+Tactic%2Caps%2C312

Let us know what you think... Thanks.