They're not designed to work 95c at all (They actually don't run at 95c, they throttle at 94c) a card which throttles at that temp isn't designed to run at that temp.
Actually they do, that is the exact definition of it. If it was designed to run at 85c, it would throttle at 85C. It throttles at 95C to prevent it going BEYOND 95C, they set the limit at 95C because they are happy for it to sit there.
A graphics card can last for over a decade, full load will take some life out of it, but with an unknown and completely unnecessary amount of life in electronic components, who cares.
If a card has a genuine fault it will likely fail relatively soon under any kind of load. If it's not faulty you'll get 5+ years out of it, if you use it heavily you'll still get 5 years out of it. Most electronics of most types fail when being turned on. Cycling of parts is where damage happens, always has been.
Two computers, one at full load every day for a year and another computer turned on and off 5 times a day, the one turned on and off is far far more likely to fail and yet not very likely at all.
The article is a joke though, a manufacturer doesn't dictate terms of "you can't use this for mining", nor that you can't use it full load. Most importantly there is exactly no way they can tell the difference between a card used at load for 3 years every second and one that failed on the first day of usage(with the dust cleaned out anyway).
Manufacturers will NOT be refusing RMA's for cards used for mining and Fud saying that is beyond a joke. Parts designed to deal with whatever temp they throttle at won't magically fail if used at that temp for a longer time.
If say the shroud was going to melt at 95C, it wouldn't matter if you gamed for 3 hours, or mined for 4 years. THe material would fail either way.
Gaming rig sitting in room you are likely gaming, 100% fan is intolerable and no one would game with a fan speed higher than required. Mining rig sitting out of range of destroying your hearing, can run as high a fan speed as you require.
My 2x290's in the room I use my computer anything over 50% was very irksome and just under gaming temps would hit 95C easily as at low fan speed and quiet. With my 2x290's in another room I turn the fans up, can't hear them where I use the computer(extension cables ftw), and now gaming or mining the cards run between 80-85C.
In reality most gamers will be running their cards at higher under load temps, and be cycling the temps much more which is where electronics degrade.
Nvidia's entire bumpgate thing, which cost them probably pushing over a billion in damages/replacements now, was down to thermal cycling. It's a HUGE issue.
It's less often the silicon itself that fails, it's the packaging, all the joins of various bits and effectively the soldering points which in general their biggest weakness is thermal cycling.