MSI used to be company just like any other ones, but their custom Twin Frozr thermal design really sets them apart nowadays.
I know I'll be looking out for an MSI card in my next purchse ;)
Those voltage variations with the PSU look well within the acceptable limits. Even so, I wouldn't trust software readings of PSU voltage
nv4displ.dll sounds more like a video driver problem. Did you try reinstalling/updating to the latest video drivers?