It always amazes me that some people would run the CPU/GPU hot rather
than run the fans hard. Fans are cheaper to replace, but I haven't had one fail
yet in 5 years, Just clean them regularly.
as long as you dont go higher than manufacture's maximum rpm then is okay,
A GPU a fan failure under warantee should be covered regardless. A failure
of a 3rd party CPU cooler could be blamed on the mobo for overdriving it.
I have my fan curves set for 80% @ 70C rising to 100% @ 80C. The cooler algos
(and cooler weather) don't run the fans as hard.
I think you need to find that balance to not overpay by every hash. In some cases it might be better just to reduce the OC and get reduced 10% hashrate and power then purchasing expensive cooler. Everything comes down to OPEX and CAPEX.