NAM wrotePlaying on ULTRA settings on my MSI gtx 970 gaming 4g, Shadow of mordor, Far cry 4, Watch dogs, AC Unity, COD Advanced warfare .. i never experienced any problem/lag/fps drops.
It is a gr8 VGA, it runs smoothly and quietly, but now that people know that there is something wrong with it, everyone suddenly is complaining and i think this is just a psychological issue.
Personally i am having a great experiance with my GtX 970, it is an amazing card playing everything at 1440p.
Now people have the right to complain about the issue, I know I am because I dont like to be lied to ( I still consider there is nothing wrong with it but nvidia should have managed the memory problem differently)
Anyway I would never think of returning it.