I suggest trying the overclocking first to see if any change in cooling is required. The original HSF is actually quite good and if you do not like the noise of a 50mm fan then just unplug it and mount a larger one behind the card, such as a low-speed 92mm Panaflo at reduced voltage.
The problem with replacing the HS is that the VPU is fitted with a protective metal ring who's height is made to match thermal tape. So, if you replace the HS with an after market one lacking a raised center it will either not mate with the core using thermal compound or likely won't perform much better if using tape.
The other advantage to using a fan blowing across the card is that it will cool everything, including the memory (no heatsinks required).
I agree the Zalman is the ultimate solution though and can obviously run with or without fan -perhaps switched for use with extreme overclocking while gaming.