Video Card Help?

Thank you guys for all the help so far! I have a Q about what power supply to get.

Ok, so don't yell at me for being cheap, but I was wondering how decent something like this would be: http://www.newegg.com/Product/Product.aspx?Item=N82E16817153023
or this one seems to have really good reviews: http://www.compusa.com/applications/SearchTools/item-details.asp?EdpNo=4252526&CatId=1078

Also, you guys recommend 450W min. What happens if you go lower? Is the risk that the vid card won't work to capacity, or that the vid card or comp will get fried?
 
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