the no name PSU
There in lies your problem. Spending good money on on a quality PSU keeps everything running longer in your system. The hardware today is much better than it was 10 years ago, but still. I've been running a q6600 overclocked from 2.4 to 3.4 in my main machine nearly 24/7 for the last 3 and half years. My 5770 has been running at 950mhz core for well over a month. I know this isn't the 'dawn of time."
F@H on my old gtx 260's was non stop for... must be over a year. Not sure how long really.
I guess if you are go through this much hardware. You need to buy stuff with great RMA service. XFX, Corsair, OCZ, Western Digital. Etc.
Also, you could sell the card after 6 months to some poor sap. Then buy newer faster stuff. Would keep it from aging in your hands, value wouldn't depreciate as much, etc.