As far as I know, the fan on your graphics card isn't linked to the load
it's under, ie: it spins the same speed no matter what (I could be wrong
though).
I would imagine it would be much more likely that it's your cpu-fan that's
the culprit - there are lots of cooler/fans out there that throttle the fan
speed (to aid noise-suppression) when the cpu isn't busy - put it under load
such as when playing games, and the temp goes up, the fan speeds up to try
and keep the cpu cool, and you get the wind-tunnel sounds.
Your best option is to get a "better" cooler - either one that is marked as
"silent" (eg: zalman etc), or at least one that doesn't push as much db your
way! I use an Arctic Cooler Copper Silent TC2 which throttles fan speed
depending on cpu temp... It keeps my cpu at around 50c no matter what load
(just slows the fan down when the cpu is idle), unless I'm playing UT2004
and then it might hit 60c - I've never heard the fan, so it must be quiet!
Only thing is when you turn the pc on, the fan doesn't spin at all because
the cpu doesn't need cooling, and I get a bios warning saying my fan has
died