What you say that Matrix is loud? 🙂 That mean she is monster.
I'm not sensitive on fan speed. Except some really really hard 3000RPM example...
Fans need to spin fast to cooldown so high clock.
I can imagine on 980Ti Matrix Gold .
Most of people probably never had such good chips in life as inside Matrix Gold and maybe will never had such luck to get similar chip in reference or other similar cards.
Good chips probably could be two types. Chips capable to OC high and chips capable to give same result on 50-100MHz lower clocks than others.
Golden samples are probably combination on both.