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First try what Zep and Ghostcannon said.
It would help to know more about your system. XP needs at least 1 gig of memory. Vista needs at least 2. If your graphics card uses shared memory (system) add a gig of memory in both cases.
I just upgraded a 128mb Nvidia 8300GS with a 512mb 9400GT. The 8300 was very playable at low and medium settings and the 9400 does well at the highest settings but in both cases there is lag whenever there are a lot of other players on the screen and when there are a lot of special affects. These are both "budget" video cards but, as Zep said, I don't think even a very high end card would eliminate all the lag, because there is a good deal of lag having to do with the servers or something else on Disney's end.
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