I hav heard tht msi has way better coolers than others. But I can get ASUS for 5-10$ less. Plus, I dont think i'd be OCing my card, so maybe ASUS is the way 2 go?
Overclocking your card gives you better performance, and doesn't screw up your card. If you overclock to high, all you will get is an nvidia driver crash and it will recover. No harm done, also you are covered by their warranty.