It goes like this . if ur gonna stuck to xp 32-bit. i would highly recommend 9800gt . but if ur os is windows 7 . i recommend gtx 295 . which os ur currently using ?. with xp 32-bit things will be working fine with 9800gt and direct x 9.0 in that case why spend on gtx295. gtx 295 is damn! costly anyway.
windows 7 has got direct x11 , many of my friends have got compliblity prob with that and moreover gtx295 is directx10 .
this is my first post for the thread sry for my bad english..
The 9500GT is DX 10 also.