There's no reason why their GPU dies are more vulnerable to heat, its manufactured from the same company, same process and node. What i do think is a problem, is because a lot of gtx680 cards initially were all reference designs, and the VRMs on that looks to be JUST enough for a 225W TDP card. Hotter die = more power usage. So NV knows its not a good idea to stress the power circuitry. See, i dont even understand why they don't include an extra mosfet/choke, it hardly costs anything in comparison to the selling price at $500.
It could well be their original power/perf target was lower and they had to change the clocks late in the launch cycle, well after the cards were made.. thus its now running near the redline so to speak. Its well represented in how little OC headroom there is, default boosts hit ~1.2ghz, with most OC not even reaching 1.3ghz boost.. so little headroom/power design suggests the scenario above.