Wouldn’t call them dodgy, just lesser binned chips. Guess it’s how they sell them for less but they’re certainly not cheap.
Cheapest XC card is an A chip, should be fine for BIOS flashing.
Had my Zotac up from 260W to 360W+ and it clocked great but I couldn’t face the increased fan noise. Shouldn’t be a problem with you watercooling though.
Now back running stock BIOS and everything I throw at it still flies along at higher FPS than I need as I’m only after 4K/60.
Overpriced cards but nothing else realistically competes IMO. Glad I got mine even though it pained me to spend so much on one.