First off, if you're going for budget, why are you going with an nVidia card? AMD is the budget-king, and beats nVidia at every pricepoint below $300. What's your budget for a GPU?
1. No, you don't.
2. No, there shouldn't be.
Thanks for the reply. I don't really have a budget but for the GTS 250 1GB models are only $140. Like I said in my post, I plan on upgrading anyways to take advantage of the slated price drops of the High-End GPUs. What better way to do that than to buying this card now and using it as a dedicated Physx card later when I upgrade. Can't do that If I go the the AMD/ATi route.