Why XP on a new computer like that? You will have no DX10 at all, and XP is actually a bit more expensive than Vista Home Premium. Don't listen to the Vista bashers, it's quite a good operating system.
Look- even with it underclocked heavily, it still IDLES at 76C, and many reports of it getting to over 85C. Like I said, it's a good card, but the person(s) that decided to put such an ineffective stock cooler on it needs to be slapped.
There are only 2 brands of graphics cards that are even feasible to buy (ATI and nVidia), and Matrox is shit and so overpriced even Bill Gates would crap himself if he saw the price.
Pre ordering an S3 liscense would not be smart (IE having 12 pounds on your account and draining it for S3 before it's released) because nobody would have any idea when it could be released.
The DFGT is supposed to be a lot quiter than the DFP, but the Wingman drivers don't fully support the DFGT yet. So it's either quiet (With lack of controls until a driver update) or the trick you did with your DFP.