The HD 6870 will be the better choice if you can afford it. They are usually near each other pricepoints after MIR anyway. Although I have no experience with XFX, I do know they have lifetime warranty BUT I can't say the same for the support you will get when you want to get a replacement [warranty]. The customer service could be non-existence. Gigabyte 6870 does have a triple fan design and that will help with cooling. It is a big graphic card so I hope it fits in your case. I think you should invest in a HD 6870 and then use it until you have enough money to make the leap to Keplar or AMD 7xxx when the time comes.