File types in Fallout3:
MP3 - radio music files
WAV - most of the environmental and "regular" sounds
OGG - voices
Re: The OGG codec - Fallout3 supplies an OGG decoder in the game install folder (the libvorbis files). That decoder is used for the voices. Whatever OGG decoder you may have installed in Windows MAKES NO DIFFERENCE, any Windows OGG decoder WILL NOT BE USED by the game. You can completely disable or uninstall any Windows OGG decoder and Fallout3 will still properly play the voices files, except in the case that the built-in OGG decoder has a problem running on your computer. Simply stated: You DO NOT need to have an installed Windows OGG codec. As far as I can tell, you cannot redirect the OGG files to play through an installed Windows OGG codec instead of the built-in OGG codec, the built-in OGG codec is apparently hard-coded into the game engine. Anyway, this only affects the character voices.
Re: The MP3 and WAV files - These apparently play through the DirectShow filter, whatever filter you have installed. I would think that the safest approach is to make sure that the Windows Media Player properly plays these type of files and that both MP3 and WAV file types be explicitly associated with the Windows Media Player so that the generic Windows codecs are used. You are certainly free to use whatever DirectShow filter you like for these file types however. The problem with MP3 files is that there is a very large number of MP3 codecs some of which don't work so well for every flavor of MP3 file or don't work so well on every computer.
Re: Crackling - This is a known hardware problem particularly with Creative soundcards in Vista, it can also be a problem in XP. It is usually related to the particular motherboard (and BIOS) that is used. The problem commonly is a conflict between the soundcard and the videocard and it is generally a motherboard PCI/PCIe timing problem. Motherboard manufacturers often have newer BIOSes that can fix the hardware timing problem and completely fix the crackling. It is also known that aggressive overclocking can cause this problem. For Creative cards the latest Vista driver (and the Alchemy package) seems to help eliminate most problems.