So its better to just use msi afterburner, as it can override minimum fanspeed?
No it can't, all of them are third party apps including Afterburner. Nvidia does not have OC capabilities on control panel anymore and even if it has even that could not go under bios limits. Nvidia has API called nvapi to third party developers to do OC applications like MSI Afterburner, Asus GPU Tweak or Evga's Precision X.