With that said, $200-$400 cards are what gamers, CAD users, and any 3d (not 2d like photoshop) applications are used for. And when I say "gamers" I'm talking about highly intense graphical games like Crysis, Call of Duty, Mass Effect, Far Cry 2... not casino games, kids games, or solitaire. Also, high end cards require a more powerful power supply.
Do you do any of that? If not, just stick with the one I recommended.