Nice review Dan.
I don't like the x570 boards having the tiny cooling fan on the chipset. Those things always fail or become noisy over time. I would prefer a proper beefy heatsink if needed.
GB is not my favorite brand but they are in my top 3. Their bios implementations have always been wacky and different from everyone else's.
The chipset coolers would have to actually run for that to happen. As I said in the review, you hear it when you first power the system on and that's about it. I've been running the MSI MEG X570 GODLIKE since before X570 came out for CPU reviews and general testing. I never heard its fan beyond initial startup. I dusted the thing off after so many months and now its in my personal PC not making any noise either.
All the other X570 motherboards I've tested have the active chipset cooling and they all work the same way. I wouldn't worry about them. This isn't the days of the old chipset coolers that ended up clapped out or seized by dust or bad bearings in short order. The X570 chipset itself can reach temperatures of 50c and the chipset fans still won't turn on.
The problem with going to a beefier heat sink is surface area. You can't make them thicker or they'll prevent expansion card installation. Spreading them out like the old days doesn't work as well anymore as you have to leave room for M.2 slots. It's one of the many issues that result from M.2 being an absolutely retarded form factor for desktops. Of course, you can spread it out some and then use heat pipes to help cool them. You can even connect the heat pipe to the MOSFET coolers if you wanted to. But all of those things are costlier than adding a simple chipset fan and writing some firmware to make sure it only turns on when its absolutely necessary.
As for GIGABYTE, I like their build quality and most of their more modern designs. They tend to overbuild most of their motherboards which is better than the alternative. Even though the X570 Gaming X is pretty cheap, its still well made. GIGABYTE cut costs precisely where I think they should have. When some other companies cut costs, they do it at the VRM's and that's not a good approach.
As for the GIGABYTE UEFI, it's different, but so is everyone else's. Everyone does their own thing for better or for worse. This is one area where I think ASUS is the undisputed king. Everyone else is on a sliding scale of worse than ASUS on UEFI implementation. That said, MSI and GIGABYTE's stuff works pretty well even if it is different. I guess, I have gotten used to them all by reviewing so many of them. I can see where they could all improve, but it gets the job done and you generally don't spend a lot of time in the UEFI past your initial tuning phase of a system build.
If I could change anything about GIGABYTE's UEFI, it would be the horrendous red/orange colors. I hate them.