Zotac also comes with a 5 year warranty. I would probably only buy either Gigabyte 4 years or EVGA and buy longer warranty if you plan to use this GPU for more than 3 years.
temps can be a bit deciving, seriously, all you have to do is make a custom fan curve in msia fterburner and you can shave off another 10 celsius easy. so what if its a little louder, yawn