It is very dramatic. The game totally is very much you playing not as a nation, but as a ruler, a person. I've written about it twice, before patch 2.0.4. so now it would be even more hectic than in my journal entries:
nerooncousland.deviantart.com/… &
nerooncousland.deviantart.com/… .
Lately Paradox has unfortunately listened too much to the most hardcore of their fanbase and "corrected" exploits that were mere survival strategies most of us mortals. But that can easily be worked around by rolling back to version 2.1.6, which PI thankfully lets you do within Steam.
For the complicated: Start out as a small independent county in Ireland, best place to learn. Random crashes I've not had had in ages, really runs quite stable by now.
Jade Empire I can't get to work, not even the GOG version unfortunately. Sounds I didn't miss much from what you write.
Video card? Ouch! If I had to fall back on my onboard, I hardly could play anything either. Best of luck getting a replacement. Have you considered getting a 2nd hand one from Ebay as a temporary solution until you can afford a new one?