They may use different aspects of the Video card. 99% load does not mean it is using all its components, only that it is operating at full capacity with what it is doing. Metro 2033, for example, uses a lot of DirectCompute, which most games do not. This will push temps upward. You may also notice that high FPS can also drive temps higher than low FPS. Starcraft 2, at release, was allowing cards to hit 500+ FPS in the menu system. While there was vary little the card was actually doing, those 500+ FPS caused a lot of cards to overheat, which prompted a patch to cap the FPS within the menus.