I really dont want to regret 2 months down the line I should have got this brand over that brand because of the chip inside or I should have got the water cool ones or what ever. so if someone knows what card to get that has the best options please help me out
The blower-style ones will run hot and loud, although tuning power/clock settings for efficiency can help reduce those problems.
Personally, if you can find any, I'd find the ones with aftermarket air coolers, such as the Asus Strix or Sapphire Nitro models. (Liquid cooling may also be nice.) Unfortunately, I think MSI (and perhaps some others) opted out of building Vegas with aftermarket cooling solutions.
The price difference is also important to consider, in addition to your rig plans. If you plan to organize a bunch of high-CFM (and noisy) case fans to supplement the integrated cooling systems, blower cards would probably be fine.