This was a known problem with Creatives stuff, my setup is a Audigy 6-1 system which would regularly default to 2-1. Apparently the fault lies in Creatives speaker configuration utility not the drivers.
I solved this by uninstalling all Creatives original stuff and re-installing a later version. As for sound drivers generally, I have found that as long as a driver is working O.K. then carry on using it i.e. don't update just because there is a newer driver. It can be more trouble than it's worth.