I just pulled the trigger on an OEM 148 with 3 yr warranty. I was a couple of bucks short in my Paypal account so I couldn't get the retail. I figured the AMD warranty was a moot point anyway since I plan to OC the sucker and I didn't need the heatsink (got an XP90 and 120 for that. Not sure why I shilled out for the Monarch warranty, but in case I break a leg and can't play with my toy for 6 months and find out it's dead, I'll be good.