Typically, the factory OCed cards are more expensive than the stock cards. I understand that the factory OCed cards may ship with better cooling solutions. Other than that, is there anything else different between a factory OCed card and a stock card that you OC yourself? I'm probably going to replace the stock cooling solution anyway -- probably with a VGA Silencer -- so it doesn't make much sense to buy the factory OCed card if that's the only difference. Are the factory OCs just for people who are afraid to do it themselves?