The answer depends upon your definition of "Heavily Used". Is your server busy doing Network Communications or CPU/Disk I/O?
You should be able to Install, Protocol, Network Monitor Driver, and then use Performance Console to look at your Network Segment Utilization during "busy" times of the day. If your network peformance (I assume 100MB ethernet) goes beyond about 50% for extended periods of time, then I would suggest another Network Card. Also look and see what your Disk I/O and CPU are doing(using Performance console). Often the slowness is in the Disk I/O and extra memory will benefit more than second Network Card. Sorry, just about out of space. Hope this helped.