92C is really too high for sustained periods (more than a few minutes at a time). Silicon starts to warp and break down at 90C. Not that it will abruptly stop at that temp, but that's when the MTBF curve starts to really accelerate. The card may be qualified to run that hot but that is just in short bursts, not for hours on end. Even 89 is pushing it in terms of long-term reliability; strive for temps below 80C if you can.
Try to exchange it under warranty, I think you will succeed since you did not modify the card and they should see it as a run-of-the-mill RMA. In theory they could inspect the card and chips and maybe claim it was over-stressed, but that would take a lot of time I doubt they would put that kind of effort in to it since it would be easier just to replace your card.
It may not even be heat related, it may be that you got a card with a bad VRM.
I'm not sure what cards you've used, gpus don't start warping/breaking down at 92C. Sure it's not ideal but 92C won't fry cards.
The board was crap, RMA it, it's not a big deal.