Stock coolers and especially - fan control, in combination with bumpgate or even without it, can cause failures too.
Fan control curves on those cards are often completely crazy, as if purpose made to break the card and work in the worst way possible. Like i have powercolor HD3870 which has rather sizeable cooler, but it slows down the fan so much it sits at 70-80C at idle. I mean i can turn the thing on, mess around with BIOS settings or something and given 10-15 minutes when OS boots it'll be at 80C...
Under load it is 90C, and at that points it starts ramping up the fan as if 90C was set as a target.
The cooler is perfectly capable of staying quiet and cooling the card competently. It'll sit at ~45C at inaudible 25% at idle and at 60-70C at 50% under load. Further than that it becomes noisy, but it can also be configured to keep the temperature within 60C without sounding like a hairdryer.
Why the hell they configured it this way? Poor attempt at planned obsolescence? Or sheer incompetence?
And that's not an unique example, many cards from that era are like this. Including GF8. And that's probably a very common reason for failure....