rich kids with nowhere to spend cash.
Anyway, a liquid cooling system isn't the solution for you. If you haven't thought about it before, don't start now, and don't let anyone suggest it to you. Only *****s would for someone who's not thinking of some serious overclocking or serious noise reduction (think completely silent).
For you, you might want to look into some way of getting your fans to spin a little slower. Check any bundled programs, they may have some way of controlling that fan of yours.
Someone mentioned a possible driver problem. Try updating to the latest Vista drivers, they might have fixed the problem.
Also, there may be third party programs which will allow you to control your graphics card fan.
If all the above fails, you might want to buy a third party cooler for your card. I've got the thermalright HR03, and with something like that, a quiet 92mm fan will cool your graphics card down without making a huge fuss.