I guess it really depends on how much you want the card for your PC. Honestly if it meant paying 2-3 dollars extra for a card you really want to know that its yours, then I would personally do it.
I think its a much cheaper option in the long run than spending a lot of your time and effort trying to find the same card for a couple of dollars cheaper! I guess it all depends on what value you place on your time?
Cheers
Matt