I have the two-fan MSI pre-overclocked version, not because of the factory overclock but because I wanted a two-fan version. It is not as quiet as the Sapphire two-fan card, but temperatures are fine, and it was significantly cheaper at the time. I am satisified.
P.S. I have no faith in MSI tiny-fin fan designs, which were likely responsible for at least one of my RMAs in the past, but thankfully they didn't use the tiny-fin style on my card. I prefer larger scoop fins like the ones Sapphire uses on most (all?) of its mid-to-higher-end cards.