I will have to sleep on it 
hehe
The only question you have to ask yourself is: What will I use it for? If you're only interested in WHDLoad games, then the ACA 1220 is perfectly fine, no need to spend almost 50 pounds more. If you want to use Workbench and applications that require some CPU speed, then go for the ACA 1232.
Does any of these cards effect the graphics in any way? Like being able to run higher resolution?
No higher resolutions I'm afraid.
