If you have a quiet, whine free card that is giving you good performance in your games at the resolution your currently play you'd need your head examined to return it for a side-grade (at your resolution) based on speculation and "what-ifs" from several years down the road. You can drive yourself crazy and waste a lot of money doing moves like that. Worry about it then when and if a new scenario occurs.
It is not as bad as you make it sound. Tri X 290 is quieter, and depending on how much you got your 970 for, you could get anywhere between $70-$100 in your pockets. How is that head examination worthy, unless you only play gameworks titles primarily?