I use digitalpoint's usermap mod which utilizes the GeoIP db, but that isn't 100% accurate either. Take a look at his mod and see what it all entails. It isn't as easy as changing an xml like this one. I prefer to have it on my own server as opposed to using an outside link. But them you have to worry about keeping the db or files updated so they are current. I just finished a mod on my site that uses PHP files for the country code and has it's own set of flags. It is way faster than an outside link and so far seem to be fairly accurate. It doesn't use the vbulletin db at all so there are no queries. It hasn't missed a flag yet.