As long as it has a 1 year warranty, I wouldn't worry about it. If you're buying a mid-range card now, you'll probably want to replace it within a year, maybe a year and a half. MSI usually has a 3 year warranty, and being an owner of an MSI 6950, I definitely recommend them for their cooling solutions, quiet cards, good overclocking ability and overall performance.
I also owned an XFX HD4890 in the past, it ran really hot and loud. XFX has the double-lifetime warranty, which makes it a little easier to sell (supposedly), but for cool, quiet and stable operation, I'd go with the MSI.