Actually people overpay for video cards all the time. The latest and
greatest will drastically come down in price pretty quickly. You don't
even need a video card if you aren't doing high end gaming or video
rendering. Most of my computers use onboard video and I am perfectly
happy with them. I have a couple I use for older games like Rise of
Nations or Age of Empires, and use a $50 card. They work fine.