Even at low the fans will still speed up with temperature, they just will not get to the same top speed.
As long as the temps are fine, then leave them at low, if it gets hotter than you want, try a faster speed or custom curve(this way it can still be quiet upto a certain temperature and then speed up after as needed.).
For the video card, Yeah read up for sure. If the stock performance is enough for you, I would stick with that for now.