Most cards have a 2-3 year warranty but you can't rely solely on that. Voltage instability can burn your cards so you should consider buying a UPS to be more secure if you're going to put lots of money in your rig. Also keep in mind that hardware loses value by time and use after you purchase it.
Yea I know that I can't rely on warranty.
Using a UPS is pretty risky from what I head, voltage jumps using it are INSANE. Correct me if I'm wrong.
Yes, you are correct, UPS's should not be used with mining rigs, just plug them right into an outlet. All mine are run right into outlet. More stable voltage.