Hawaii's default is "advanced fan control", rather than a standard fan table, it will operate within a bounding box of peak ASIC temperature, fan speed and power; it will allow the ASIC go up to peak temp before going to peak fan speed and then it will modulate clocks based on power. AiB's have the option of tweaking those parameters or removing advanced fan control entirely and going back to a standard fan curve. If someone saying that they are running 95C frequently then its likely that its running the advanced fan control - just because there is a graph of one sample doing something in one case does not mean that applies to all cases.
As for "cost of reference cooler" that's nothing to do with it, its more the fact that there is not much more thermal capacity on blower designs, hence the reason Fiji ships with a water cooler.
As for "cost of reference cooler" that's nothing to do with it, its more the fact that there is not much more thermal capacity on blower designs, hence the reason Fiji ships with a water cooler.