Running HWiNF064, during gaming my GPU temps are in the 60s and my VRMs are in the 80s with manual fan set to 75~80%. If I leave the fans on auto, then my VRMs get up into the 100s. I think the main thing is getting airflow to the VRM heat-sinks. I'm gonna try and put some better fans on my case down. This should lower the VRMs a bit too. But for now, my fans are set to manual 80% all the time. No difference in noise level. Idle temp right now is 39 for GPU and 39 for VRMs.
What game/software are you using to get the vrms hot? I could test mine the same way.
As of yet I haven't been able to get my vrm's more than 90degrees with auto fan. And the fan was at 40% under max load.