Here is my setup at the present. I'll explain what I do or recording and then for live. First the equipment.
1. Toshiba laptop with RealTech built in card
2. Audigy2ZS Notebook card in the pcmcia slot
3. Behringer 802 mixer. Has 2 Mic channels, 2 stereo line channels, 1 aux send, 1 stereo aux return.
WDM drivers no ASIO
Now the cabling. Stays the same for both.
1. Mic in Mic #1
2. Bass in Mic #2 with DI
3. Headphone out from RealTech to Stereo Channel 5/6
4. Line out from Audigy to Stereo aux return
5. Aux send to line in on Audigy.

Real Band Audio Setup:
1. Output Driver Real Tech
2. Input Driver Audidgy

PFL the Mic channel to get a good signal on the mixer. Do the same with any other input my case bass. This applies to both scenarios.
Recording:
Note: Your headphones are plugged into the mixer!
1. Select the track you want to record
2. open the view meters
3. Using the Aux send for the channel keep turning up until you have a good signal. Some yellow. NO RED
4. I set the recording in the Audidgy to Line In
5. I enable effects in the Audidgy
6. I adjust the Aux return on the mixer until I get just a little effects.
7. Make sure the music is at a comfortable level and matches the vocal input
8. Hit record audio and sing away
This setup lets you monitor your vocals with effects but records dry as it should be.

For live playing my setup anyway.
The audidgy now is used as an effects unit.
1.Turn off effects in the Audidgy.
2. Open Sonar with 1 Audio track.
3. Insert the Lexicon reverb in the track, choose your reverb and set to be totally wet
4. Arm the track.
5. Adjust the Aux send and return as you would with any effects unit.
I do it this way as I can have a nice Lexicon reverb unit in software. There is no latency that you can here.
This also lets my live setup be just:
1. Computer
2. Mixer
3. Bass
4. Mic
5. Speakers

John
ESI Gigaport HD+
Lenovo Turion II /4 Gig Ram/ Win7x64 be
15.6" Monitor
"The only Band is a Real Band"
www.wintertexaninfo.com/BANDS/JohnnyD.php