Is this something I have to watch out for? Because I don't want my computer to be ruined because I opened like an EXE that had requirements for my vid card that weren't compatible, then it blows up and I'm out a lot of money.

A program will not ruin your video card. An app doing damage to a video card is near if not totaly impossible.

Well, theoretically a program could hurt your card. But only if it overwrote the card's BIOS, which is highly unlikely. I've only seen several such programs, and those are specially made for BIOS flashing.

 

So, no, an executable that does not have compatable specs for your card wont hurt it. Only a malicious program could, and I've yet to see any that attack video cards.