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Although the 550 is newer the 460 is prolly around the same price and you would most likely get better performance from it. The 550 is just a rebranded 450 and i say the 460 would be better primarily because of the higher memory bandwidth. Also too, if your 9800 is getting those low fps, your settings are waaay too high, or you need to update your graphics drivers. My last card, 9800gt performed very well in xiv with mostly all settings on standard. Hope this post helps
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I run a SC 560Ti with an i7 950 and 6 gigs DDR3. In town i'm around 30 FPS, primals and raids i'm almost always over 50 FPS. The new imperial assaults, however, drop me down to teens and 20s when lots of ppl are in them =(
1920x1080 windowed
8x CSAA
8 General draw
5 Background draw
High shadows (maybe standard?)
Max textures and filtering
DoF on
AO off
Getting an SSD and 680 soon