The MSI is overclocked 25Mhz core and 100Mhz memory and has a one year warrenty.

The eVGA has a lifetime warrenty and they have an upgrade trade in program.

I would buy the eVGA for warrenty and you can overclock it on your own.

Since you have Vista with Direct X 10 I would reccomend a 8600GT instead of a 7600GT which is directx 9 card.

Bellow is a link for an XFX 8600GT it cost $170

http://www.newegg.com/Product/Product.aspx?Item=N82E16814150229

For RPGs I would get Oblivion and the expansions. They are a tons of mods for the game.