I've got the MSI OC'd one with reference cooler. Performance-wise it is just brilliant, haven't tried any further overclocking yet, because I didn't need it. I opted for the reference cooler, as it exhausts the hot air out of the case, rather than those aftermarket coolers. Also, from my previous exprience with the 570, I actually found the reference cooler quieter (while IDLE) than the one on SOC 570 from Gigabyte, which I gave to my brother. The idle noise is the only one I care about, because while gaming I just stick my headset on and don't hear anything from outside. However, the cooler on the MSI emits some sort of whirring noise, not loud, but noticeable. I will eventually just stick Arctic twin turbo on the card and that should solve the problem. Just to let potentional buyers know, other people are having the same problem with the card.