This is generally a great question but the answers are for people who can handle the naked truth.
Once upon a time before 15 years ago a new industry started to boom, this were the after market high performance coolers.
Many serious engineers they started focusing at the development of heat pipes and copper based heatsink, among with new heatsink fins design.
The history began in Japan in which one brand named as ALPHA this born the idea of copper base plate this be implanted in to aluminum block and fins.
Within 2019 few recognizable VGA makers, they started to implement such high performance cooling systems in to some models of their own cards.
Today the product as Gamers VGA card, this is two products in one box.
The high performance card among with the high performance cooler system.
An high performance cooler system this is consisted by the metallic fins block and the DC fans.
GTX 1660 Super
The leader in this market so far is ASUS, they design and manufacture their own printed circuits PCB = they can form a card at specific dimensions.
Additionally in the series GTX DUAL OC and GTX MINI OC, they added to it highest performing cooling block among with special DC fans design.
In conclusion the smart consumer at 2020 he should be able to decide if he wants a VGA with a great cooler or not.
Double or triple fans ?
It has be proven that three fans with a perfect cooling block (ASUS) they may maintain the temperature at 62 Celsius.
The identical cooling block with only two fans, this succeed to keep the temperature at 66 Celsius.
In conclusion the triple fans VGA this serves to impress the eye, than to deliver any better performance.
GPU Clocks
If a card this is set to 1840MHz, and comes with a TRUE high performance cooling system, this has many chances to survive for at least eight years ahead .
The OCed card with a poor cooler this has much less expected life-cycle, no more than three years.
Now feel free to make a choice in the market of VGA cards of 2020.