Update:
Just checked in with my other two friends for temperature, both of them get 80-85 deg. celcius on load and 60-62 on idle.....so maybe the new cards in market today are running at that temperature only maybe.........so i went on and overclocked the card.......and got 85max on load......
other thing, i just noticed that overclocking the core also overclocks the shader clock in riva tuner, as doin 700 core and 850 memory, the shader overclocked to 1566.....so conclusion, not doing bios flashing is beneficial in the following ways:
1>The card doesnt get overclocked when not in use(like no use for overclocking when u use office)
2>Unnecessary rise in temp thus reduces
3>the card core and mem reduces back to stock when the card is idle, thus reducing temps. more!(noticed in riva tuner only)