Poor performance with GTX 480

[PkG.1337]

my specs:
Q6600 C0 @ 3.2Ghz
Asus Striker Extreme
4GB Ram
MSI GTX 480 @ 800Mhz
OCZ Vertex SSD
Corsair HX620 power supply
Win 7 64bit
Forceware 197.41

Battlefield Bad Company 2 (Online)
I get 28-48 FPS in most maps

Settings:

[WindowSettings]
Width=1920
Height=1200
Fullscreen=true
RefreshRate=59.950001
VSync=false
[Sound]
Quality=medium
VoipEnable=true
SpeakerCount=0
[Graphics]
Effects=high
Soldiers=high
Vehicles=high
Overgrowth=high
Undergrowth=high
StaticObjects=high
Terrain=high
Shadows=low
Bloom=false
HSAO=false
MSAA=2
Water=high
MainQuality=custom
Texture=high
DxVersion=auto
Aniso=2
Detail=high
RenderAheadLimit=0
Fov=65


GTA 4
so much lag spike its unplayable
I already beat the game, so I didnt dig too much into the problem


Starcraft 2 beta
Ultra @ 1920x1200
40-50FPS normal game play
30FPS during battle

I get X9910 3Dmark Vantage

please help me out, I was expecting 60fps on BFBC2 with GTX480 and 3.2Ghz Quad core. What is holding me back?
crappy ram?bad PSU?
btw I plan to skip i7 920 and wait for a sub $500 Intel hexacore before I do a complete upgrade