Dude, grab yourself a ATI Rage128 Pro (Xpert2000 Pro) 32MB AGP card, they're going for around $25 now-a-days. No, they're not GF3, but for crying out loud it is better than a 4MB Riva128 by an order of magnitude.
<< Yeah I've pretty much stopped doing major upgrades to my computer. >>
I haven't stopped upgrading, but I wait for all the suckers to plop down $200++ for the latest and greatest tempware, and when the price bottoms out (like the ATI card above), then I grab it up.