Don't worry. In XP Direct X defaults to 75, although SP1 lets it go higher. You can go into Direct X Troubleshooting tab and set it higher. Or disable V Synch. I wouldn't though(change direct X). I did that and spent a few weeks wondering why I was getting random crashes. Set it back to default and bingo, no more freeze ups.
75 is fine for AH anyway. What's more important is that FR stays above 30 in heavy smoke and action over fields etc. THAT is the real test of a card.
Check the web for moans about Windows XP setting refresh to 75. What is worse, Open GL games are set to 60 which is perceptible flicker and hopeless in Open GL games. I use Powerstrip to set it higher.
