This is pretty accurate. You paid for it, do what you want with it. Don't worry about what these guys say. You're not dumb for turning off and on features. That's why the adjustments are supplied in the bios.
Those kind of people make me think they buy a car, leave it completely stock and use it to its full potential every key cycle. Also, they don't tint the windows, leave the spare tire in the car, won't modify the stereo for sub woofers and think everyone should be like them.
Know what I say?? Fuck em.
I've cooled more processors with every single cooling type, including and not limited to Peltier. Worry about yourself thanks.