I prefer doing minimum RMA and fan swaps. Stability is also an important issue because my farm is in  remote location, hence a preference for 80% TDP.

Sure you can run them 110%, the cards will be fine. It's probably 5-10% more hash rate than at 80% TDP, but 37.5% more power usage. Do the spreadsheets to see if the extra hash offsets the extra power usage.

It's not a huge deal if mean time before failure is 10 years or 5 years. Just that there's a higher chance of card failure, and more heat to deal with, unacceptable for large farm owners. Remember dead cards are out of action while RMA, and you may have to pay shipping, and it's a lot of unnecessary work.