I have a gtx 460 se that is starting to crap out on me, so I need a replacement. While I'm at it, I might as well get something that's a significant improvement, but I'd also rather not break the bank.
Then save your pennies for a geforce 600 or radeon 7000 card. I'd suggest getting one of those as soon as you're able since the baking thing usually only gives you a few months to a year of extra card life.