Chris,
Focus only on either fat loss or muscle gain at any given time as doing both at the same time is nearly impossible unless your taking steroids or you are a beginner to working out and dieting properly. If you attempt to burn fat and gain muscle at the same time you will essentially be taking two steps forward and one step back.
If you believe that you have an excess amount of fat then I would strongly recommend shedding the fat first and foremost, then focus on building muscle after you have achieved acceptable body fat levels. But focus on only one or the other. During either a fat loss phase or muscle gain phase the training is similar with the exception of calories and cardio. For fat loss, determine your maintenance caloric intake, cut it down by about 500-600 calories, lift weights, and do tons of cardio. I wouldn't cut your calories any lower than that simply because your body will go into starvation mode and your metabolism will drop. And if a low carb diet works for you then go for it. But how low is your carb intake?
As far as creatine, it is a muscle building supplement, actually one of the best and most effective next to food and steroids in my opinion. With that said, I would use it only during muscle gaining periods. It will make your muscles larger and will make you stronger, though. So if you want those effects then by all means go for it. But you will get the most out of it when you are training for muscle gain. Your other supplements look good. I like products like Hydroxycut and Xenadrine simply for energy and motivation for morning cardio. I wouldn't spend anymore money on supplements, though. For fat loss, it's all about eating clean and doing tons of cardio.
