GET REAL MAN! GeForce3's are BUILT to overclock. If you get a GF3 and dont overclock it you need a slap. Have you ever seen the seriously excessive cooling on a GF3? For a factory setting of 200/460 that is silly.
My GeForce3 cost me two months pay and I still overclocked it on the first day. ATM it runs at a safe 220/500. I dont get any artifacting so I am happy.
Even though my GF3 is overclocked I still expect it to last 2-3 years even though Im sure that I would have replaced it with something better in a years time.
Games are getting more and more demanding. We are seeing that the video card is the bottleneck for more and more games too. The GF3 helps fps quite a bit with factory settings, but with the overclock the card is worshippable. I honestly wouldnt have been that impressed with my upgrade from a GTS2 32Mb card if I stayed at the geforce3s' 200/460 settings.