Why do people care about the temp, at all. Why is it okay for an Intel cpu to run at 80C when an AMD cpu runs at 65C, people move from AMD to Intel and you get threads of "OMG, wtf, my cpu is burning up, the house is about to explode, if I was at that temp I'd be dead".
It's all nonsense, IC's can be designed to work anywhere from sub zero temps to upwards of 150C.
A 95C temp on a chip that is designed for 50C is "too hot", a 95c temp on a chip that is designed to run at 95C is just right, a 95C temp on a chip that is designed to run at 150C is really ruddy cold.
People get specific temps stuck in their head as do not pass points, based on other chips, which is just nonsense. The VRM's on many AMD/Nvidia cards have been running over 100C under full load... does that make it terrible.
As for the stock cooler arguments, cpus and motherboards adhere to predetermined socket standards which means there are a multitude of third party coolers before the release of any new cpu. This is not the case for GPU's, nor do most GPU makers allow the warranty to remain intact when you remove a gpu cooler, nor do then design a "socket" or removal of heatsink method that makes it easy and pretty safe to change the cooler.
Fact is blowers are good for xfire alone and even then only in bad cases. non blower coolers should be standard for Nvidia and AMD, 98% of people don't sli/xfire, those that do exceptionally few stick them in tiny cases or use more than two cards so triple slot all but silent "normal" coolers would work better for 99% of buyers.
Non reference cards usually use the reference PCB and replace a cooler that costs probably £20 with one that costs £40, paying £100 more for £10-20 of extra cooling power is a joke and always has been.
AMD/Nvidia really should be working better with the guys who make third party coolers to get them available for or at least very close to launch and to not void a warranty in using one. Running their gpu's at lower temps will only improve reliability, performance, noise and as such the general positive experience of all their users.
If they all came with a pretty thick, quality backplate to brace the card making it much harder to damage it and force other gpu coolers to make something that fits to said backplate, it would make changing gpu coolers much easier and safer also.