If I may respond, I think MSI is pretty good. They seem to make decent cards and I've never had a problem with any of their cards. They used to have some serious bundles offered with their Ti4600 & Ti4400 Champion Edition retail boxes. I can't vouch for how they overclock as I never really pushed one. But they came with their own OC utility and a pretty nifty bios/driver update utility.
ABIT IS7, P4 2.6C, 512MB Corsair TwinX PC3200LL, Radeon 9800 Pro, Santa Cruz, TruePower 430watt