Sometimes there can be a warranty difference too.
Sometimes longer or shorter.

(AMD CPU, OEM shorter)

(WD HD, OEM longer.) (3x -- Have not checked lately.)
(I guess WD expects home users to "beat them up more" putting them in...)

                              Rick Glazier

From: "Joe User"
OEM 'usually' means just a bare card; no driver media, no pretty box,
no cables, no manuals.

Retail is 'usually' everything above.

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