I have the X1900XT and am rather happy with it. It is superior for SH3 but alas it comes with quite a noisy fan. I would suggest people skip this model for the X1950XT if they want an ATI card or go for the X1600 or so. ATI cards of this generation runs hot, and only the X1950XT has a proper fan that cools and isnt completely awful noisewise.
I am single and play with my phones on so the noise is never a problem. But my ex would most definitely have objected to the din of the X1900, so if you play in audible distance of your significant other, or with normal speakers, I would at least make sure to have the option of returning the card again