I'm a cheapo... I ended up getting: AVerMedia AVerTVHD MCE A180 PCI Digital TV Tuner Card
Had to d/l the software, didn't come with a CD. The software that I d/l'd also had the driver, so it was just a run/reboot, works.
I brought it mainly to use my old xbox. One bad thing is, it ghosts/blurs some on playing certain games. But playing a movie off it I didn't see ghosting. I use a 22" LCD monitor, which may have to do with it. Still playable though.
I recently brought a HD antenna, and was kinda surprized how clear local HD channels were. Although, it would lock up when the signal wasn't strong enough. Basically the picture just freezes. I didn't have to reboot, just end the task, and restart.
HD local channels kinda remind me of satelite/dish on a really bad day.