The stock cooler works but at 80'ish percent and higher, the fan noise really starts to get on one's nerves. In a normal environment, so long as the fan noise is 70% or lower, it's not a problem. Especially considering most people play games with either headphones, at night, or with speakers. Unless you're in a quiet scene in the game, most times the music and sound of action drowns out the fan noise.
I just think that the stock cooler was under designed and that with some tweaks they really could have quieted it down. Hopefully the next stock cooler is better as far as fan noise goes and if not, at least it's easier for the other guys to make some decent coolers.