I work on repairing PCs. I also build them. Honestly, I only have issues witht he push pins on cheaper mobos. On the decent mobos, like Asus, they are not hard to put in and I haven't had one break yet.
For cooling at stock, its actually fine. If you don't overclock it will do fine and is very quiet compared to after market.
Thing is though, unless you buy a top end after market fan, the lower end ones still use push pins to attatch.
As for the board warping, there is a bit but its fine. Some people blow stuff out of proportion.