It might be worth it to get a free program like Macs Fan Control to monitor the temperature of different components during various tasks. Rather than changing the fan settings, you can take a look at the temperature read outs. I'm sure you could get info on other folks with the same laptop via forums and compare them. It might help you pinpoint a problem. The laminate coming off really is worrisome.
I have a different problem where my fans go on high randomly and the CPU is throttled by the system because of faulty thermal sensors...the computer thinks it's overheating (it's not) and throttles up the CPU to keep other programs from using it and making it meltdown. For me, this is a hardware problem...but I have a 2012 rMBP and it's long since past warranty.
I have a different problem where my fans go on high randomly and the CPU is throttled by the system because of faulty thermal sensors...the computer thinks it's overheating (it's not) and throttles up the CPU to keep other programs from using it and making it meltdown. For me, this is a hardware problem...but I have a 2012 rMBP and it's long since past warranty.