Actually I do have some (okay a tiny bit of) input on mortgage payments
In!! The EU is a grand human experiment that we should nurture. r.e. GPUs, agree a majority of people think the 10 series are a rip off; that's why I posted this comparison. What I'm saying is that regardless of how we feel, the maths says they aren't any more expensive.
Taking your 20% VAT price of £394 at an FX rate of 1.68, you'd have to pay £470 at the current 1.41 rate for that 5950 Ultra, so the different exchange rate does have a fair bit of effect. Inflation over that period was bang on 30%, so that takes your 2003 card all the way to
£613 in today's prices.
Agreed, prices will definitely go down over the next 3-6 weeks, and that's when we should buy. The same thing happened with the 600 series though; so it's not like (FE aside) the starting price for the 10 series is that unusual.