I'll try to answer your problems step by step..
Cooler problems..
Probably one of the cooler from the review is faulty or maybe it maybe loose when they are doing the actual review.. my Sapphire card also kinda have this problem.. just recently the fan is humming a little loud.. when I tried to apply a little pressure to the fan blades, the noise was gone and it's humming silently again.. But if it's really loud, you can get a silent aftermarket cooler like Vantec Iceberq copper.. or Zalman ZM80D-HP..
Experience with the card..
I only had experience with Sapphire 9550 cards.. not the XT version of course.. however, I must make myself clear that there are no "official" version of 9550XT as the 9550XT is set to run at a higher clock speed compared to normal 9550s...
Stability?
that should be no problem... as most GeCube cards are quite good..
The problem with the "under-clocked" 9550"XT"
That is probably an overclocked 9550 that are flashed with 9600 BIOS.. and probably that card has the BIOS lock implemented (not really sure).. the plain vanilla 9550 can actually reach that kind of speed.. as long as you get a card with fast mtmory chips (less than 4ns.. get a card with 3.3 or 2.8ns memory chips if you can).. you can clock it up to a "9550XT" standard..