http://www.webopedia.com/TERM/S/S_PDIF.html tells what s/pdif is.
http://www.soundblaster.com/soundfont/ tells what soundfont is.
Ever heard of google?
And it won't harm to experiment with settings until the sound is right for your ears. Because you're the one who listens to it.
I have installed Creative Sound Blaster Audigy 4 and play music with WM-Player 10, and Real-Player.
The UI of sound blaster software is really so complicated and can make one feel confused.
I don't know what will the setting for S/PDIF do for me.
What'd happen if I set the S/PDIF setting to 0%?
What's soundFont bank?
I have never thought that SB software can be so difficult to be understood.
I have posted the question in Creative Support Forums, but the forums seem to have no Mod or Admin, and no one's responsed to what I have asked!
I hope I ccan find the answer from CNET.