Are you gonna overclock? If not, its really a matter of warranty and price. Also, some cards are quieter, but at stock voltages and clocks they all pretty much the same :/ also the companies that boast higher clocks out of the factory really have no impact, its only like a maximum of 7% performance increase. it takes more than a 100Mhz boost to achieve noticeable gains. and in regards to reference cards, they just dont have the better cooling solutions, but they tend to work better in sli and crossfire.