Some does has better cooling solutions than others, such as dual fans, which sometimes during gaming, depending upon usage & model, can be a bit louder, yet should run cooler, a positive tradeoff.
Keep in mind that if it's one pulled from a new PC bundle, then the warranty to the desktop applies, often a year unless an extended one is purchased. Though most desktops, unless custom built or configured, won't have this powerful of a GPU. I'd not hesitate to drop $100 on the card, if it has at least 6 months of warranty left, that's long enough to determine any issues.
Be sure to clean it up good before installing, with a air duster (often termed 'canned air') & secure the fan(s) to keep from spinning. Sometimes, quite a bit of dust will build up in GPU's over time, just like a CPU cooler, I make it a point to clean mine every year, and on one, have already replaced the thermal paste, netting in a 12-15C drop in temps. That's a substantial drop in temps, I suppose the OEM (MSI) cheaped out a bit on the paste, because I purchased it new & was never overclocked.
I've had the same results with CPU's also, both has a mechanism to serve the purpose of running cool, over time, some even with cleaning will require repasting, of which I use Arctic MX-4 for the job. Hopefully you'll receive the card already nice & clean, though it doesn't hurt to check for yourself, the difference could be years of added life, and later on, possibly getting 50% or more of your investment back if resold.