Try running a graphics-intensive demo (like 3DMark05) and leave the temp screen up in the background. When the benchmark finishes, I'd bet that the card runs a little hotter. If it doesn't, than either you have the best air-cooled Dell, or the temp sensor on the card is bad.
I should be good to go on the driver issue...As soon as I installed the card I went to the Nvidia website for a driver update.....
Driver Version: 6.14.0010.7189 (English)