You've got that noise thing right, I had an EVGA 260 core 216 with a reference cooler. That thing has made me wary of reference coolers since. The thing would whine louder than an AMD Phenom II stock fan and died an early death to what I can only presume was excessive heat. Thanks to these forums and ones like that like them; however, I feel like I do a better job of having semi-proper airflow within my case.
To cut to the chase, the question, specifically, is assuming the card being run at stock for its lifespan would it be worth it to wait for non-reference cooling for the 680 gtx specifically. Another variable I've mulled over is the possibility that the auto overclock might be better with more robust cooling without me doing a thing.
Decisions... decisions