if it's just the top card just try blowing it out first
second add some additional Airflow to the case
looking at your rig... only two visible fans... Im guessing it could be an issue too
the top card gets hotter because airflow is restricted by the other card
secondly if the air in the case is hot/warm - low flow - the air that it does get will be too hot to keep the card adequately cool
my 570 is two years old going on 3 and sits ant 60c when folding
my tri SLI 670 rig the GPUs also stays below 60c (even the top card) Love seeing them a 50c
as for the WC loop ..I here ya..
Im doing one myself this month replacing the h70 with a Koolance system
however Im not doing the GPU's in that rig yet
Im just putting in the rads(for a complete GPU and CPU cooling system) and heatsink for the CPU
Im going to swap out the three 670's to the second rig later and put two or three 780's or Titans Hydrocoppers in
then my 570 will go to my bro for his rig