It depends on the application. An database server might be heavily disk
I/O intensive, for example, but only have a command line interface. The
graphics card will have almost no impact on its performance. Most
computer games on the other hand are extremely graphics-intensive, so they
benefit from the top-end, $900 video cards; but they might not use a lot
of Disk I/O, so having a SCSI-attached RAID 10 disk array won't boost
their performance much.
Vista's overall performance score is somewhat artifical, in that it
assumes a composite, typical workload for a desktop computer. It's still a
good rule-of-thumb measure; a better guide than what most people had
before. But it doesn't purport to be a fully-fledged, performance tuning
consultant: hey, those guys charge per hour
Most office applications, like Word and Excel are basically 2D graphics,
so having whizz-bang 3D graphics cards are of little direct benefit.
Vista's 3D Aero graphics provides some performance boost, even without
specific 3D features (pixel piplines etc), because DWM permits off-screen
composition, etc; which benefit any application. The amount of benefit is
proportional to the amount of graphics processing and IO the app needs to
perform.
The video card would have no impact on your system's performance as a file
server. But if you want to run Photoshop or similar image processing
applications, these are very graphics intensive: so they will probably
benefit from a better graphics card. Desktop publishing will be slightly
less graphics intensive, but they would require more graphics grunt than
just running Word or email.
Systems with an integrated graphics processor (ie, on the motherboard, not
a separate card) and shared system memory, are generally designed to run
basic desktop applications - email, web browser, Word and Excel. It's just
a cost/benefit trade off. Given that your system has a Sempron processor,
512MB RAM, and shared video memory, it is in fact, a pretty low-end
system (although adequate for basic desktop tasks) - so I hope it was
pretty cheap, too. For the applications you describe, I personally would
have gone for a bit of a more grunty machine - 1 or 2GB RAM, Intel Core
Duo 2 CPU, and a dedicated graphics card. But if you're running a
business, and counting the pennies ...
If the machine has a spare PCI-E slot, you can drop in a better graphics
card any time in the future; you're not locked in.
By the way, the resource requirements you're seeing on Vista (1-2GB RAM,
etc) are pretty typical for all modern opertaing systems: Vista, Mac OS X,
Linux or Solaris. I have 2GB RAM in my Mac mini, and at least 1GB in all
my Linux boxes. There are some variations (some people argue Linux can run
on less powerful hardware), but overall, you're in the same boat with any
OS.
Cheers
Andrew