Yes, it's the final manufacturer that's mostly responsible for this, just relaying the whole experience here.
I buy almost exclusively from a small shop in my hometown (i avoid the franchised shops), plus order from the internet sometimes if i get a good price. The guy i buy from only carries MSI and a couple of other manufacturers for GPUs just because of the fact that they give a 3 year warranty on all of their cards, both Ati and nVidia.
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