That 64MB card requirement really means pixel shader v1.2 (i think). You'll have to see what your onboard chip is, but it might very well be an Intel chip with shared memory. Probably doesn't even have a pixel shader on it.
When I moved up from a 5950 Ultra to a 6800 GT, I got an enormous boost in framerates. On the nav map, alone. I think the nav map jumped 50%, and the open seas jumped 25%. The sub pens went from maybe 24fps to a little over 30fps.
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