Hi,
Hopefully my recent experiences can help.
I just built a system with a ASUS 512M 9800GT - This does have a fan but it is large, slow, and quiet.
Link to website
The audio works fine through HDMI, and the optical SPDIF connector on the motherboard (G-B EP45-DS4P) works at the same time. This card includes the internal SPDIF cable that goes from the motherboard (GND & Data) to the graphics card. Note some cards do not include this cable and they can be hard to get. This card was $161 at MSY last Month. I have also used a MSI 9600GT (included cable) and this was OK as well.
I am very happy with image quality on both cards, and they both work with Blu-Ray, HDDVD @1080p (and 24 Hz)
I assume that you wanting to send digital audio to your AMP. I can't get analogue audio out of the motherboard, and digital audio over HDMI concurrently.
Note that your TV may not accept multichannel audio over HDMI (My Sony does not), if not this will force you to use 2 channel PCM in Windows, so therefore only 2 channels will also be sent to your receiver.
Good luck, always seems much more difficult than it should be.