You see, I'm running a dell (I wanted to do bare bones, but my uncle who worked there got us a really good 40% discount on the pre-assembled), which means no overclocking from what I've heard. Here's the specs:
Graphics Card: 8800 GT 512mb
Memory: 4x 512mb Ram (I'm going to get some for my birthday, probably two sets of 2gb)
Processor: Pentium D 3.20GHz, and another 3.20GHz
Motherboard:Dell Inc. 0FJ030
Monitor:Samsung SyncMaster 2253BW/2253LW, or for digital (same monitor, different settings) SyncMaster CX2253BW/CX2253LW (Digital) (Native Resolution being 1680x1050, I use 1600x900 for Oblivion, I tried 1280x1024, which was my previous setting for my old monitor, to no avail)
The big problem I find, is that even after defragmentation, the use of Streamline (no adjusting of sliders), and another program (called Operation Optimization) that is made to enhance FPS, is that whenever I'm inside a city, my solid 60 fps (outdoors, with no actors, lowest but not no shadows, and no grass enabled), drops to 40. While thats not a problem, as soon as I start moving, it goes to 30-35, but once i look in certain directions (mainly where many buildings/actors/objects are found) it drops anywhere from 13-25.
Now, I don't mind this either, as it only happens in certain spots in cities, but as soon as I get into fights (with 2 or more opponents), it becomes problematic... 1 Opponent=solid 27-35 fps, 2 Opponents=18-25 fps (dramatic fall, without much lag, but can get hectic in lag if I spell spam, or my opponents use spells), and 3=7-16 fps (omg lol, how can I even play!), I do not dare go further (especially since I use FCOM, but use the mods that tone down the encounters so you usually end up with 2-5 actors at most).
You see, I had no problems with this in the past, (3 opponents rendered a solid 18 fps, which doesn't have any lag for me), but my computer isn't doing as well as it did around 3 months ago. So I'm open to suggestions of the nVidia line. I've also done tweak guides, but I refuse to set anything lower than with HDR, or 4 AA.
Well, I have 1000 SGD or 734 USD to spend.
I need some money for my RAM (which is cheap at my local place), should take around 170 SGD.
Now that leaves 830 SGD (609 USD), enough for a top end nVidia card (you know what I'm talking about, that sweet EVGA E-Geforce 9800 GX2 1GB), but I don't want to spend all thats left from my Savings on a single card (Or I could always ask it as a birthday present, but then I'll feel rotten for asking so much from my parents).
So any suggestions? Replies are appreciated
Note:I wouldn't mind ATI, if I didn't have problems with their cards, since my last ATI card had such horrendous errors, even with the right and latest drivers installed, and basically baked inside my computer, which I've recently installed a secondary fan, as well as the last couple which burned its way through my old PCs.
Edit:Added Monitor to specs, and what I used during my playthroughs



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