Upgrading GPU's in WIN XP? 8500GT - 9500GT

I currently have a GeForce Nvidia 8600GT PciE with 512 MB, Iíve had a few years, and I think I paid about $160.00 for it new.

I just saw that FRYíS Electronics has a Galaxy GeForce Nvidia 9500 GT 1GB DDR2 Video card for $70.00 - $40.00 mail in, would end up costing $30.00.

I am currently using Windows XP, and have not felt confident to upgrade to Windows 7, then having to upgrade (from what I hear) mostly the whole software and maybe hardware to accommodate this new OS.

The upside will be that I can then use more DDR System memory than my limited 3.3 GB of Ram, it also depends if I go the 32 BIT or 64 BIT OS, but thatís another story, for another day.

Would it be a ďsmartĒ upgrade, or would it NOT make that much difference in using Photoshop or Pinnacle Studio 14 HD? Iíve never heard of GALAXY before, but GeForce also has EVGA, and BTG 9500GT PciE, but somehow feel that if I get the DDR2 9500GT, I will have to upgrade again if I go with Windows 7, to the newer DDR3, and DDR4 etc., ever changing hardware.

Whew! Hard to keep up. Ssooooo, I want to throw away any money now if soon I decide to upgrade the Windows 7 then have to but a new GPU, or would it matter?

Thanks for any input.