While you're correct in some of what you're saying
@Joxeon you're wrong about out of warranty and overclocking.
By the time we are out of warranty that 5% might mean playing a game at 30 FPS or not! you're regret buying the wrong card then, trust!
Then again zotac is the only manufacturer to offer 5 years warranty! Which is something I intend to make use of this generation round. (Registration with zotac required)
So it's a choice between overclocking more or a longer lasting card, I know which I choose.