92C is way to hot. Even if it is within the mfr spec for operation, the life of the GPU will be shortened.
I wouldn't let my GPU run hotter than 60C, and it never does while playing Auran Train Simulator 2010, but maybe this is not a good benchmark. I don't have any FPS games that might be a lot more intense.
That said; if your system is running too hot, it may be for a number of reasons.
You don't have enough cooling in the case. In addition to the fan on the video card itself, you need a strong fan (or two) in the rear of the case to take all that hot air coming off the video card, CPU, and other chips.
The size of the case is also a factor. A full tower case will allow more heat to be removed from the components before getting too warm.
What is the size of your case?
Removing the side panel will help somewhat, but it is not a fix. You need more active cooling.
Try putting an additional fan in the front of the case. There should be a place for it right behind the front grille. Make sure that fan blows air INTO the case.
You might also want to try a fan in the side of the case. It should be placed towards the front of the case, but not too far up that it won't blow air onto the motherboard.
What you want, is the side or front fan to blow air INTO the case, and across the base of the CPU and along the GPU, so that rear fans can pick up the hot air that comes off these components.
Just remember; Electronics components will always run better if they are kept cool.
If you are over-clocking, you absolutely need to "over-clock" your cooling system too.
FW