reference design is probably the best bet because the air goes straight from the card to outside the case. if i hear you speaking about 100%, i get the chills. 50% was so damn loud, i couldn't imagine going for 100%. for dedicated rigs in a different room, it's okay, but having the fans blow at 100% in the room you browse the internet is way too loud.
I am using this Vantec tornado fan on the top of my Lian Li case. It's loud like jet engine but sure does keep the cards cool. It has tremendous airflow, even at moderate rpms.
http://www.newegg.com/Product/Product.aspx?Item=N82E16811999612&cm_re=vantec_tornado-_-11-999-612-_-Product