Well, my video card runs at 57C with the game on, which is in the green zone (Good & Stable), So I guess you're not that bad off, shouldn't cause crashes or anything.. But if you're black-screening with both ATI and Nvidia cards then It's not your video card, but maybe your Mobo.
Cause my brothers computer stopped booting up and kept black screening sometimes, and we finally ruled out that it was his motherboard, the little fan on it was broken so it was overheating and crashing. But by fan don't be confused with the Processor heatsink, I mean a fan that was on the mobo.
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