GTX560Ti on 100 degrees

So I had bought a Zotac nVIDIA GTX 560Ti 1GB around 2 years ago. Since the first day, it was a pain in the arse. The day I bought it along with other products (I was building my machine myself with help from a guy from here, Tom's Hardware), I tried running Modern Warfare 2 and it gave a large beep after 10 minutes of gameplay, then the monitor went black and it entered sleep mode. Even restarting didn't help. So I shut the PC down completely and tried again. But the bloody thing kept doing this every time I tried to play MW2. I didn't know I could RMA the card at that time, so I just sucked it up and moved on. I worked day and night to find a solution for this problem online for three days, and finally ended up learning underclocking the damn card to run it stable enough. This resulted in lower FPS in games, but I thought at least its stable now and I decided to stick with it. Nearly two years on, I formatted my PC and lost my OC settings along with everything else. But I managed to remember the settings and again clocked the card after the format. But things had gotten worse. My card would usually rocket up to 100 degrees while playing ANY game (excluding those low-requirement ones like Driver San Fran and Need For Speed Hot Pursuit 2010). I tried to reset to the default settings but even that didn't help. I tried cleaning my CPU up and reapplied thermal paste to be sure, but all in vain. My efforts seemed fruitless and futile. So I finally decided to RMA that piece of junk. Nearly 37 days and two warnings to Zotac (of suing them for failing to deliver my replacement card under the promised 30 days policy) later, today, I finally received my new card. I was excited and plugged the card in to run the tests. I didn't even put the lid on the case and fired up Modern Warfare 2. With MSI Afterburner on-screen HUD running in background, I got the card racing from 46 degrees all the way to 99 degrees in a matter of seconds. I was terrified. Exited the game at once and ran an MSI Kombustor test (1280x800, DX11, AA=4x) and got 97 degrees as the final result. Did a GPU Burn-in (1600x900 native res., DX11, AA=4x). Final result was 99 degrees in under 7 secs. I had to exit the burn-in test as well in a hurry. So now, I'm in a dilemma- is it that Zotac has been producing faulty cards all these years, or is just that I'm the receiver of all the faulty units from them. Or maybe, like I hope, there is some other issue I am not aware of? Because this card wants to race to 100 degrees faster than my previous card.
I've read through several google results and each of them threads ended in OP RMA'ing the card. Alright. Now what would you guys recommend in this case where the card has JUST been RMA'd and its still the same story? Oh, and mind you, I'm aware of the fact that RMA units are just the refurbished products.

PC Specs:
i7-2600k @ 3.40 GHz
8GB G.SKILL Ripjaws professional RAM
Asus P8Z68 V-PRO LGA1155 @ 95W
Corsair TX750W v2 Power Supply
nVIDIA Zotac GTX 560Ti 1024MB

Stock settings as recorded by MSI Afterburner:
Core Voltage = 1025 mV
Core clock = 822 MHz
Shader clock = 1645 MHz
Memory clock = 2004 MHz
Fan Speed = Auto
(Also, its winter time and the case lid is not on)

Driver: 301.42
When I first got my card, I tried different drivers and found this version works best with almost all games I play.

Thanks for taking the time to read.