670: Step Up Worth It?

Hi everyone - I'm new to this forum so please be kind Been trolling for a good while and just wanted to ask a quick piece of advice.

I built a new rig three weeks ago - i5 Ivy on the new Z77 chipset. At the time all the 600-series cards were essentially out of stock everywhere, so I picked up an EVGA GTX 570 (reference) for $260. I'd intended to step up to the 670 later on, but now am wondering whether it's such a good idea after all.

I've read a lot online about fan issues, artifacting, RSoD, cheap build quality, QC issues, etc. on 670s. Now I know that oftentimes it's the whiners that post these sorts of things while the vast majority of satisfied users are busy enjoying their new piece of hardware. However I can't help but worry that I'll get a card that has an annoying mechanical whirr or artifacts or something and then be stuck in RMA hell. On the other hand, I can always stick an aftermarket cooler on the thing later (surely with so many noise complaints Gelid / Arctic / etc. will get their 670 solutions out soon).

Now my monitor is a T220HD at 1680x1050, and honestly I don't feel as if I need to upgrade my screen. At that resolution I've been very pleasantly surprised by the 570 - it runs everything perfectly well at my capped FPS. I haven't had a chance to try BF3 or Skyrim yet however.

So, do you guys think it's worth stepping up? One additional caveat - money is really not an issue (that's the flip side of not having had a chance to try out BF3 yet ). I'm mostly worried about the fans and/or QC on the EVGA 670.

(Note also that I'd have to get the reference 670 with the step-up and that I cannot return my 570 to Newegg - exchange only on the card I got)

I hear you guys, and I do understand that a 670 is somewhat overkill at 1050p. That being said, overkill is so so sweet. I've been a long time in the PC wilderness (a circa-2006 Thinkpad T60). Finally got a new job and quite a bit of cash - and I'm quite excited to finally get back to PC gaming.

My rationale is more or less as follows: I can get a 670 step up now for $140. If I wait 1-3 years before upgrading my graphics card, I'll likely get a 670 or 770 for ~ $250-300 then. What will a used 570 be worth then? I feel like it's gotten rather difficult to sell PC components. Likely I'll end up eating the difference and building a PC for my girlfriend. So if I'm going to shell out $250 in a year or two for a 670, why not just spend the $140 now? It's less of an outlay (given the low recovery value on the 570) and I get to use the card for an extra year.

Money is really not a big issue. I'm mainly just concerned with the quality of the 670 vs the 570 - I am totally satisfied with the performance, temps and stability on my 570. And given the huge number of complaints about the 670 build quality (we're talking EVGA reference here), I can't help but be somewhat apprehensive.