what is your fan/case setup ?
Antec 900 with 2 stock 120mm tri-cool LED fans in the front, 1 in the back, and a non-LED 200mm at the top. CPU is an i5 2500k with a mugen 3 cooler with stock 120mm fan facing the ram and pushing out the back. There's a 120mm fan in the bottom-mounted seasonic s12ii 620w power supply (exhausting outward of course). The PNY gtx 460 is in the top pci-e slot (asus p8p67 pro motherboard), with a sapphire hd 4650 (completely silent, draws like 30w or something negligible like that) in the slot below it. Below the hd 4650 is a pci wireless network card (there's really nowhere else to put it as it's legacy pci, even though it bumps up against the hd 4650). Below that is the power supply.
I was googling around and found a bios mod that cuts the fan speed down to 20% (even then the gpu is only 32C idle), but it can't go any lower. I remounted it and now it's fine at idle, but the fan has to ramp up somewhat at load, so it gets unbearably noisy.