To answer Anodizer, this is a brand new card. I got it March 18th.
As for the BIOS disabling, I seem to have disabled it as well, the only audio in BIOS, HD Audio, is 'Disabled'.
Also, I just tried playing after doing the following:
checking that BIOS had Onboard off
turning EAX off
deleting add-on sounds
Re-installing
Using a USB headset
Still crashes
Going to delete everything related to AH and re-download the game, and start fresh.