If you aren't going to overclock the card then the stock cooler will keep the card cool enough. Runs a bit loud but if you don't care about that then it should be fine to buy the reference design over an AIB model.
AIB cards will run cooler and quieter so if you can wait until then and are willing to pay a bit more, then waiting is also an option.
For FFXIV the card will run just fine, however in my experience with MMOs, especially ones that use older engines, the game is more CPU bound. So in high player density areas you should still expect FPS drops.