Thanks guys,
I've read through all of the advice:
(My card is the Sonic Platinum 1GB edition of the card)
- I have tried MSI Afterburner and my minimum fan speed on my GPU is 40% and that isn't quiet by any means.
- I have tried disabling the fan but obviously it got way too hot, even when I underclocked/undervolted it heavily and added several case fans.
- I have considered an aftermarket cooler but I am seriously short on options, my card uses the old G92 mounting holes and the card is too small to fit most of the coolers.
- I was considering modifying the card's BIOS to allow me to lower the fan speed further but I wussed out, didn't want to brick the card. My motherboard doesn't have integrated graphics so I would be screwed haha.
Another option I thought of was to remove the shroud on my card and throw one of those 120mm Noctuas on it. I was just struggling to find ways to do that properly. In the end I just thought screw that and just then, I attached one of those Noctuas onto it and I'm quite happy with the temps bearing in mind this is a 160W card with a pathetically small heatsink in a case that isn't exactly built for airflow. (Ambient temps aren't exactly high here in sunny old England though

)
I attached my Noctua NF-P12 to the GPU and have it running at ~700RPM, I have the PWM version of the same fan running on my heatsink on its own, that ranges from ~300RPM upwards. I then have a 120mm bottom intake and rear exhaust (NF-S12B FLX), both running at what is supposed to be 600RPM but my PC detects it as just over 700RPM.
Tried some stress tests and with P95 and Furmark running at the same time, I top out at their safe maximum temperatures of ~70c and ~90c for CPU and GPU respectively. I'm happy with that because the PC is now really quiet, the hard drive is by far the loudest thing in the case. I don't put my PC through much stress anyway so I doubt I will even push 60/80c.
I might pick up a SSD when I get paid this weekend

I've noticed the Intel 330 Series 180GB at £114, that's pretty good. I'll either grab that or the Samsung 830 Series 128GB at £90.
P.S. My PWM fan seems to be refusing to change speed via PWM despite me using the correct 4 pin connector and setting it correctly in the BIOS so I ended up setting it to 800RPM.