Some users have recently had their accounts hijacked. It seems that the now defunct EVGA forums might have compromised your password there and seems many are using the same PW here. We would suggest you UPDATE YOUR PASSWORD and TURN ON 2FA for your account here to further secure it. None of the compromised accounts had 2FA turned on.
Once you have enabled 2FA, your account will be updated soon to show a badge, letting other members know that you use 2FA to protect your account. This should be beneficial for everyone that uses FSFT.
If the card works fine, except for the fan, I would oil it and see what happens. You could possibly buy a replacement fan also.
I think a fan wouldn't cost much more then shipping charges to RMA the card (unless MSI will prepay you return label). With RMA's you take a chance on getting a defective card back, and having to go through the RMA process all over again. However, I have not seen many horror stories about MSI RMA's, so it could go silky smooth. In the end it's your call.