Ok well it seems I cannot go HD STB(set top box) -> PC -> TV after reading this massively long thread and be able to record stuff on my PC in HD via the PCI card
http://forum.ecoustics.com/bbs/messages/3/7446.html
So it looks like I'll just have use the TiVo downstairs. That thread is a good read btw if anyone is considering a HTPC and it's functions. Great for regular cable and maybe a standard Digital but nothing in HD (phooey!).
Oh well, I'll probably still end up making a desktop PC anyway to get this clutter out and to make my desk look better.