I have two questions:
1. What is the ultimate cause of the slower-than-normal fps and what should I next invest in (I'm really thinking RAM because it sometimes takes forever to load things up)
2. How would my new video card affect the quality and overall performance of my computer? Was it even a good idea to get?
1) The biggest causes of lower than normal FPS in games and sometimes bad image quality is caused by drivers. This is fortunately a cheap solution but unfortuantely a complicated one depending on your computer competency. There are a variety of things to deal with...and some things you can Google on but here's some things.
- When installing new video drivers you need to uinstall the old ones, restart, run a driver cleaner (
http://www.drivercleaner.net/), restart, and install the new driver
- The same procedure applies to your motherboard drivers, make sure you install motherboard drivers and not leave things with the generic Windows drivers, you may want to check on updates
- Background software can cause

of performance loss as can spyware, make sure you have a Spyware cleaner (
http://www.lavasoft.com)
- Learn howto tweak Windows XP so that useless software is turned off and important stuff remains (
http://www.tweakxp.com/)
- All of this stuff takes work but I've seen Pentium III's run rings around Pentium 4's because the guy with the PIII knew howto tweak and keep his system clean of crap and the other guy had a bazillion pieces of software running in the background chewing at CPU cycles so you can understand how important this is
2) In 2D applications like Windows it won't really impact performance much. Your current card is already pretty good at giving whatever gains you're going to get in a 2D environment (the difference between a 9600 and a X800 is small...even with a X1800 its small). Now...when Windows Vista comes out it'll play a larger component. In 3D applications and video you'll see a faster more capable video card producing better image quality, higher FPS (in 3D aps), and letting you turn on features not possible before. Also keep in mind that your video card is capped by your CPU's speed as well...so if you're playing a game that is CPU dependant then you can probably turn up the image quality for almost no FPS impact but the FPS will not go any higher with a faster video card. The opposite can be true...where a fast CPU and a slow video card will mean that you can get high FPS but low image quality.