Has anyone bought this esc?

I havent, but from what I have heard, their mini line of esc's is good. I would think that the 120a would be good too. I think I have seen someone on another forum that had one and liked it.

For $80 new doesn't sound to bad

Probably pretty good. I havent looked it up in a while. The brushlesshobbies.com 120a esc is $68 and comes with a usb programmer similar to castle link. But I dont know if there are programming cards out for them yet. The toro esc's do have programming cards. The bruslesshobbies one is sensored as well.

I have seen a few in offroad vehicls

Its a good esc keeps cool most of the time and it has a Bec with 6v ! Go for it i dint have any issues with it with the Tenshock 4600kv. Good thing is you can use it for 1/8 scale also.

However the programing card for it is junk ! It died on me after one use.

can you adjust it with out it?

I havnt been running it for a while on my SCTE you can adjust it manuely i never tried it though . If you want to change the timing on it i think it would be easier though the program card but it can be done Manuely.