A 650 ti is definitely the way to go. You will be limited in the games you can play smoothly with the 650 at 1080p. The 650ti can (for the most part) play any modern game at 1080p, at least on the lowest settings. In many games, it will be able to go higher than the lowest settings. As for noise, it likely won't be noticeable if you buy a card with a good aftermarket cooler.