Well, it's not conclusive but it may be. I got a VPU Recover kicking in once on a test machine at work.
On my machine I get a crash, on average, every 2-3 hours. Everything is running at stock. It definitely could be a knackered card but i've just had a go on FS2004 for 2 solid hours and not a single crash. Earlier I got a crash within a minute of booting from cold!
It's decision time tomorrow to decide if i'm going to be buying another card.