Welcome to ProCooling, especially to a fellow Texan!
Condensation is always a problem, and can occur at temps above the freezing point. It depends on the humidity level.
For a fixed temperature, there is a maximum speed that the CPU can reach. It's unfortunately not calculable. What you need to keep in mind is that there is a great difference between a CPU sitting at idle, and one that's hard at work. The latter emits a lot more heat.
If you are able to maintain a constant temperature, regardless of the CPU load, then that's great. It's not simple, but it's been done. Your max overclock will still be whatever the CPU can reach, at full load, while you're maintaining that temp. You have to keep in mind that the CPU has to be tested at "full load", to make sure that your computer is still stable.
Cooling at lower than ambient temperatures brings on a number of problems, the first of which is condensation. Go well below freezing, and you'll need to pre-freeze the CPU, just to get it to start!
There is a benefit in keeping a CPU cool: it will extend its life...
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