Its curious that you mentioned the power supply.
Let me relate and experience I have had.
I purchased an X1800 and installed it in my machine. It whistled and whined and the little fan was running its bearings off untill...... POP and the machine quit. It took about 2 hours.
I had blown the fuse in the power supply. I went out and bought a new larger power supply. After installation the fan on the video card now just idles and cruises along. Ive had no problems since.
My theroy is that the old smaller supply could not keep the voltage at necessary levels causing an increase in the current therefore increasing the heat.
Anyhow it is good that you have figured in your power supply in the considerations and werent a dummy like me