Imo. This makes no sense unless for technical reasons. Currently I have it on the default master bios. Where the fan does not spin until needed. Now this is regarding power target and the fans. How they work. If you flip the switch to the other bios. It will allow 115% power target with the fans always spinning. Why would EVGA make a decision like that? Because with the master bios. It only allows 110% power target. I LOVE how the fans do no spin until a certain temp. How come 115% power target and no fans spinning until a certain temp. Like the master bios supports. Could not be supported as well with the other bios? I don't want the fans spinning 100% of the time but want that 115% extra power target. Ugh!
 
They call the second bios "performance bios" that is grand with the extra 5% power target. But, once again. Why have the fans spinning 100% of the time. Especially when working on desktop etc. I use Precision while gaming for games only. So, I can make those changes with in that. But, it goes back to desktop work etc. Fans running 100% not needed imo at all.

Just to let everyone know, I switched my card (GTX 960 SSC 4GB) over to the SSC BIOS and by default the fans spin at 16% while idle.  While gaming, I have never had the fans go over 30% and the card stays under 60C during the whole session.  
 
You cannot hear this card over any case fan, cpu fan, etc.  It really is dead silent.  I gotta hand it to EVGA, they did a great job with this card.
 
And the way I see its cool to have a choice, if you prefer passive cooling until its needed, leave it at default.  If you intend to push the card to the max, flick the switch and be confident the fan won't go excessive on you.  Its a WIN, WIN!