Too many times have I bought something that was factory overclocked and it would end up crashing, I actually went back and underclocked it. Some companies are really bad at overclocking their cards, so I would just stay away from them alltogether.That's not really true. Overclocking is not as dangerous as most people think. Plus, a factory overclocked card comes with the same warranty as any other card comes with. Claiming an OC arbitrarily causes instability is silly. Companies do not sell products without QC'ing them.
The 660 TI I got was MSI's OC edition, making it as good as the 670. Saved $100 and get almost identical performance. Biggest key point in OC's is cooling. With a factory overclock they have spent hundreds of hours bench marking and stress testing the cards with the aftermarket cooling system to ensure it can perform as expected under hours of full load.
OP, also, I had a 250 before the 660. The 660 is a massive improvement. It's price to performance ratio is absolutely the best out there on the market. It might not run games at max settings in 5 years from now but for the price, you're going to be able to play the games you want at great settings without any issues.
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