What is the problem with reference cards? Still can OC them...
Reference design cards are almost always run hotter, and noisier than the after market - add in boards. Often reference designs cannot be overclocked as much as the likes of the ASUS DCU and GIGABYTE Windforce either.
At the moment you have 3 options for better cooling and more overclocking:
1. go with the XFX Black Edition which is a good card.
2. Wait for the GIGABYTE windforce, ASUS Direct CU, or MSI Twin Frozr
3. Buy a reference design and fit an after market cooler to it. WARNING: you will void your warranty.
Alternatively you can buy a reference design card and just accept that It'll be a bit more noisy and you shouldn't overclock it as much.