You have to break up your blanket statement. The temps are the lowest that I have ever seen for a stock card. It isn't an opinion, this is the coolest stock card that I have ever owned. I can run at full load and never break 58C. My fan is set to an audible level however (40%), but the point is, my previous VGAs couldn't even idle that low.
The fan noise is what you are complaining about. The % speed that people can tolerate is all just a matter of preference. I do agree, it could use a more efficient/quieter fan so that people don't have to base their GPU cooling on noise level but the heatsink with heat pipes and rear exhaust cooling setup does a very top notch job.