Oh yeah... and Toadster, yes, most cards are reference design, but not all companies use the same quality boards and circuitry, solder etc., even if they use the exact reference design set by nvidia... why I recommend cards with a known reputation, even if they cost a few $$ more.
Some companies have expensive cards for no reason, others are expensive but worth the increased cost because of their high-quality manufacturing (can anyone say "Canopus"?).
I'm currently using Gainward/CardExpert Geforce3 64M at 240/540MHz clocked in the cards' BIOS

(no need to overclock the graphics card in Windows) Prolly gonna wait for Geforce5 before I upgrade.
PS... a riddle...
When is a Geforce4 not a Geforce4? When it is a Geforce4 MX (can you say overclocked Geforce2??)
For those looking for a Geforce4... do not buy MX, get TI... Geforce4-MX uses a Geforce2 core and cannot do advanced pixel-shading which even the Geforece3 can do (try running all game tests in 3DMark with GF4MX)... just a few words of advice.