IMO always get the best single card your budget allows for. This avoids the headaches of SLI/XFire, but gives you the option to add another card in the future if you find you need it or get a great deal. I would consider SLI/Xfire as an upgrade path down the road and not a plan to start with.
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Desktop: Antec Three Hundred, Gigabyte Z77-D3H, i5 3570K with Zalman Optima Cooler, Corsair Vengeance 2x4gb 1600mhz, MSI Cyclone GTX 460, Seasonic S12II 500W, WD Black 1TB, Intel 530 120GB
Away from home light Gamer: Acer Aspire 15.6", A8-3500m undervolt and OC to 2Ghz, 2x4gb Corsair Vengeance
Internet/General Use: Lenovo B570 15.6", i3 2330m, 4gb ram
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