The hard part with sapphire and others is getting them to do anything in the first place, and then the extremely long wait on getting something back. They WILL try and trick you in to taking a weaker card. Not sure if anyone remembers the people who were given x1950pros by sapphire in exchange for their x1900xt/xtx without word and told they were better cards because "the number is higher". Law or not, it's hard to enforce your law on a company that isn't in the same country as that law... Most they can do is claim you can't sell in there country, but they themselves don't sell in that country, the distributors do.
XFX doesn't care if you MELT the card over-clocking it. They WILL send you a new one as long as the sticker is still intact. Also, they then cover whoever you sell it to for as long as they have it as well.
The small premium isn't just for the warranty, but the perfect customer service they have.
Only two companies I'll deal with is eVGA and XFX if at all possible.
Bookmarks