Seriously, why not match the card with the demand the original poster comes with??
OS3.9 needs a 020 CPU, and some fast ram. WHDLoad needs Kickstart 2.0 (is it possible to use WHDLoad under 1.3??) and 4 MB fast ram for most games, and 32 MB fast ram for any WHDLoad game.
Why bother with a 040 or a 060? Soo much power, and not even used for these purposes? A 040@40 in an A1200 needs seriously cooling, and if used in a desktop A1200 it will be total carbage. A 060 is good, but quite pricy, but the speed the card delivers isn't used for WHDLoad, but only for some libraries under OS3.9.
Even a Blizzard 1220/4 would cover the ram requirements for most WHDLoad games, but the Blizzard 1230 is easier to get hold of, and if needed, the card can get the SCSI add on installed. Max ram without SCSI add on is 128 MB, so using the SCSI add on for a memory upgrade alone would be insane.