<< is the OEM any different from the RETAIL besides not having the games and stuff??
are the actual cards exactly the same?? >>
Not entirely, at least when compared to my newegg purchased OEM (November, $1 cheaper, free ship. Sorry I didn't know it was *that* hot. I just saw it on pricewatch.)
The OEM doesn't have gold plated plugs. Not a huge thing, and in fact I like the colored plastic ones better b/c it makes them slightly easier to see when you're reaching around to plug in camcorders and what not (no DV yet.)