Oh, yes, I forgot to post my FEAR settings.
CPU is my limiting factor, so autodetect set physics to medium, sound to medium, particle bounce to medium, shells on, world and corpse detail to max.
GPU settings:
Everything is maxed, EXCEPT:
water = med
volumetric light density = med
FSAA = off
soft shadows = off (I tried it on, and they didn't work right, also took a big hit in performance)
aniso 4x
1024x768
The test gave the following FPS:
Min: 25 (0% below 25)
Avg: 40 (52% between 25 and 40)
Max: 102 (48% above 40)
Funny thing is, setting FSAA to 4x gave the following:
Min: 25 (0% below 25)
Avg: 44 (58% between 25 and 40)
Max: 99 (42% above 40)
So FSAA doesn't hurt it at all! Good to know! (I just learned this today)