Its o.k as long as you dont have a k6 proccessor. The Montego is a pretty good card. The sound is clear, but sort of thin. Compatibility is generally very good, and it works with most of the old DOS software I've tried it with. Unfortunately, the SB Pro emulation doesn't sound nearly as good as the real thing.
Installation is simple, too.
The MIDI is where this card falls down. The patches stink. Using the card's reverb helps some, but it's still bad. The presence of a Waveblaster header, and working MPU-401 port help. If you're serious about good sounding MIDI, use them.