Uhh, I'm confused.
1. "I'm not sure when I'll beable to afford a 9700. "
2. "(I'm not paying for it, if I was it wouldnt be a high end card)"
Is it just me, or are those statements mutually exclusive?
If you're buying a video card out of your own pocket, get a Geforce4 or a Radeon 8500 and save the cash for later down the line (or spend it on something else, like going out and having a good time.)
If someone's buying a video card for you, there's no reason not to get the 9700 since it's basically the fastest out there. Technically, you could get the 9700, sell it, and buy a video card that's a little better in the value department.
Bottom line, there is no ideal point in the timeline of computer products.. stuff is constantly developing.. things keep dropping in price as new products come out.. Sounds like you're itching for a video card now, so get one now.. don't wait until the next thing comes out, because then you'll want to wait for the next thing, then the next thing, etc etc etc.