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I wish everyone at my high school could be mature enough to talk PC hardware not just gaming. You're unique... just like everyone else.
I run ATI Tray Tools which has a FPS and temp guage that you can keep in the upper right corner. I use it to watch my GPU temp and FPS. I use it to OC my ATI card though but have heard people use it for Nvidia as well.
I tested out Bioshock at 1920x1080 with everything on high. I have XP so I do not have direct x10 things on, but I am pretty pleased and surprised to see on average I got 51fps on a 8800 gts 320mb, 2gig ram, core duo allen dale 1.8 ghz rig.. I have nothing overclocked either....