most nvidia manufacturers now warranty overclocking of video cards, since the stock coolers supplied are usually not running their fans at full capacity. hell, you can even remove the stock cooler on some of them, put on your own, and if the card DOES break, you can just put the old one back on, and RMA it for a replacement, no questions asked. i would check on the warranty specific to whichever card you get though, since not all of them do. as for factory OCed cards, they dont all always work. i got an Evga 7900GT Superclocked for $300 back when they were the shit, it came with pretty bad artifacting issues out of the box. i RMEd said card, and instead of sending me a refurb back, they "fixed" it, sent it back, and it came back DOA. this was before EVGAs system allowed for multiple RMAs. by the time i got done with their email tech support and they were going to allow me to RMA it, it had been a year, and i had already replaced it with an HD2900PRO