Thought I should post what I finally wound up doing and the results. I put together a system comprised of:
MB GIGABYTE | GA-MA770T-UD3P AMD770
Bios : FC2
CPU AMD|PH II X3 720 BK AM3 2.8G
CPU COOL SCYTHE|SCMG-2000 (Mugen 2)
MEM 2Gx2|OCZ OCZ3P16004GK
VGA BFG|BFGEGTX260MC896OCDE GTX260
HD 1T|WD 7K 32M SATA2 WD1001FALS
DVD BURN LG|GH22NS30 22X SATA
PSU CORSAIR|CMPSU-550VX 550W
CASE ANTEC|THREE HUNDRED BK
Right now I am running Windows 7, at 3.6 GHz on 3 cores or 3.4 Ghz on 4th core unlocked, CPU voltage at 1.44. Might be able to push this further, but running very stable at that, so probably stay sane on those CPU speeds. (Except with 4th core for some reason get browser crashes, while all other software has run stable) Temps are well in hand at 28-30 C in general use such as browsing, with all cores testing at 100% I have not exceeded 41 C. Memory is currently at 1333 with 6-6-6-24 1T timing, at 1.6 voltage. CPU-NB at 2617 MHz with +.2 bump to CPU-NB VID voltage. I've gone for tighter timings and faster northbridge frequencies rather than higher memory clocks, as that seems to achieve the best performance with AM3 systems.
I think it's a burner of a system for the bucks once tweaked and overclocked. My old PC was getting 6-15 FPS Second Life, at the minimum graphics settings I could configure. I know have my settings on high. I am getting between 40 and 180 FPS, probably around 80 FPS is an average in a typical location. The difference is dramatic in smooth movement, rezzing textures, and most of all the visual look of everything. Some things are amazing different, adding to enjoyment of the environment. The overall system speed is night and day. A big benefit to me is the ease of multi-tasking now, as even opening a browser while in SL was a pain. Now I can do about anything at the same time without ill effects.
I'm not sure what had the greatest effect in increasing performance, I suspect it is the total balance of the system. Total cost was around $730. Though SL as the focus in this build, every other thing I do is great as well. Thanks for all the help guys, it paid off
