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.