Personally, I have a Gigabyte RTX 4000 series GPU. From what their support is saying, the card should not crack if it is well-supported, and you don't let your case bounce. They definitely should repair the cards if the user did nothing wrong. But the support bracket situation is getting difficult, some motherboards/cases don't provide space for the brackets they give, but if you don't install the bracket they could refuse the warranty claim...
When I picked this card, MSi and ASUS both had cards with heavy coil whine. I guess if I had to pick a more reputable brand, I would have gone with the NVIDIA Founder's Edition cards...