<< Any encryption can be turned off, but it doesn't seem to really affect the speeds I get. >>
Good to hear about the speed. As for turning off encryption, I would never do that in my situation. I live very close to my neighbours (ie. stacked townhomes), and I have a home network with shared drives - not a good combo with unencrypted wireless. Interestingly, I've been hearing rumours of maps of parts of some cities (made by people with too much time on their hands) which show which spots have unencrypted wireless 802.11b access. Indeed, with the owner's permission, I tried accessing my local coffee shop's unecrypted 802.11b network because I wanted web access while I drank my morning coffee. The owner had the service, but it was a third party who set it up. It turned out the company who set it up had excluded unknown MAC addresses so I couldn't freeload the bandwidth. That's another feature I think any low budget access point should have, but neither the ORiNOCO nor my Netgear has that feature.
<< Honestly, I don't think 128-bit encryption is needed for most situations. If someone goes to all the trouble of cracking my 64-bit encryption, then they'll be disappointed with the results. I have no secret information on my computer that I wouldn't let someone else look at if they really wanted to. >>
I would disagree. While my own access point only supports 64-bit encryption, I made a point of buying a card that supports both 64 and 128. It seems like a lot of institutions and companies are now using wireless, but many run 128 only. If you ever plan on using the laptop via wireless away from home, then you may be out of luck. Considering that it's easy now to find good quality, highly rated cards that support 128 for cheaper than the ORiNOCO Silver, I don't think it makes a lot of sense getting the Silver. Of course, none of this applies if you know you'll never use the wireless access in a place with 128-bit only.