I just burned yet another card today (5th card in less than 3 months). Again, no overclocking or anything.
This time I had set the fan speed to auto with a minimum of 60%, had 2 cards in the system of which the oldest one burned up (maybe 1 month old or so). The newer one still works fine.
The thing is... I had the fans to 70 for weeks and this was the first night I tried 60 fan speed. So maybe there's some truth in what some poster said earlier: the temperature sensor and automatic fan control on the cards is total shit and results in frying up a certain part of the card with no sensor when mining.
So my conclusion to this is: keep fan speed at 70% or higher and see if it helps...