I fond my heat issue was with lack of AC in the house at the time. I'm now at 69C with load while OCed. Mind you, I don't keep my GPU OCed all the time. It's fast as hell as it is, and I play nothing that even needs it OCed. I'm a believer in "KISS" and if there is no need for it don't do it.
So if I can get a steady 30-60FPS I'm a happy camper!
Agreed with keeping it simple. That's why I'm liking the EVGA precision tool over rivatuner at the moment.