I personally use MSI afterburner to monitor my GPU in game, as it tells me everything i need to and can use it to overclock if you are interested. You should never have to worry about your VRAM when playing games unless you are playing heavily modded games or are on a multi monitor display. As for your GPU load, if you ever see it go below 90% then u are most likely being bottle-necked by your processor. If you feel that your GPU is running hot then you can up the fan speed if needed. I generally found that on my GPU (7950) that 65% fan speed is the sweet spot for my GPU in terms of Noise versus Coolong performance. All gpus have a fanspeed sweet spot that the user, such as yourself, can find through a 5 min or so trial and error with CCC or MSi afterburner.
Oh, so my graphics card is doing its job? At what temperature should I be worried about my GPU temp?