More fans means more noise. That 212 evo will already be mighty noisy (I know, I have exactly that one). Honestly unless you live in the Sahel, more case fans isn't all that critical. Again, you don't want your CPU to run at 20 celsius.
I have the SoundBlaster Z. It's a big improvement over the onboard sound on my mobo, but it's made for gamers and not really audiophiles (sound cards for audiophiles are a fair bit more expensive). I really like the sound quality, the virtual surround, the microphone and the software, but it's hard to give an objective assessment of those things. If anything that card is not a critical part of your setup, you could buy it later for sure. Conversely, it will most likely never become obsolete unless new mobos suddenly improve the sound quality, so you might as well buy it now and never worry about that again.