FFXI is choppy for me. Am I doing something wrong?Follow

I got a new vidcard to play this, and I figured I could play it with the details all turned up, but it turns out to be fairly choppy. I have:

Athlon XP 1600+
768mb PC2100 DDR
Geforce4 4600 8xAGP version

On the benchmark I get about 2900-Hi and 3400-Low.

Not bad scores right? I figure I should be able to play 1024x768 and 1024x1024 background textures fine. Nope. Turning off bump mapping and environmental effects didn't help much either. In my Display Properties thing I have AA/AF set to Application Controlled on the very left.

So I did the regedit thing and changed the background textures to 800x800. Now it's pretty smooth (still not silky smooth though). But 1024x1024 is noticeably nicer looking. :/

Is there anything I can do short of overclocking?