Well I don't know what your budget is like, but I just installed a new PCI audio card in my tower and it works brilliantly. It's an RME 9632 with the optional XLR breakout cables. I have a tube condenser microphone connected to one XLR in, an instrument DI box connected to the other, XLR outs feeding my powered monitors, headphones connected to the TRS out, a POD HD500 (soon to be a POD HD Pro) connected digitally through S/PDIF in, and the S/PDIF out will be feeding back into the POD HD Pro for reamping dry tracks. Plus, the card has an 8-channel ADAT input just in case I ever need any more inputs. When I record at 96kHz I can do so with a 64 sample (1.45ms) buffer. When recording at 44.1kHz I can use a 32 sample (0.725ms!) buffer. That is some crazy low latency. And to top it all off, RME's AD/DA converters and drivers are some of the best in the business. I noticed a huge difference when I connected my monitors and headphones.
This might be a somewhat pricey card, but you'd definitely be getting your money's worth. If it is too expensive but you're set on getting a PCI card, look into the M-Audio Delta 1010LT. Same basic idea as the RME 9632, just cheaper.