Have used Mercury & iBall (still using this) with P4 systems for a long time. It also has a GF 4MX card installed. Never ever seen any problem. In our office, I have seen so many parts of older systems going tanked, only a couple of SMPS problem so far. And all the Indian PC makers use el cheapo PSUs. How many users have actually faced a SMPS problem with them? My point is they are not the bomb people have make them, but yes, it is always advisable to spend some more and get a quality SMPS. Ultimately, this is one component most of the users will never upgrade.