Yeah that's pretty much it, some people don't want to mess with OCing it themselves. And overclocking isn't always guaranteed either, you can get a card and have it not work with even the slightest overclock, whereas if you buy it overclocked from the factory you know that it will work at the specified speed.
I'm on the flip side, if I can get a 15-20% overclock for only $10, I'll spend the $10.
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Uncertainty is an uncomfortable position.
But certainty is an absurd one.
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