I agree, the only significant difference is the bezel (x-ram is unused in a vast majority of games as I understand). However..... getting the bezel for $20 more is pretty nice. That thing costs about $70 bucks to buy as an upgrade, so I consider paying $20 more pretty cool. The main reason I wanted a bezel was so I could plug headphones into the front and have it kill the sound coming out the back (since x-fi does not have an on-card plug for front sound). But if you'll never need that, and have absolutely no use for the Bezel, then yeah, I'd say go cheaper.