Overclocking these days is more about dick size than performance. If you got a 3+gig Intel or 2+gig AMD you have no need to overclock for daily apps and games.
I still overclock because I crunch Distributed Computing projects and the extra power does show up some what but not alot. Even 400-500 mhz over stock doesn't make much difference. Even in gaming it only gives a couple FPS which is unoticable. I build my own water blocks and put together my own water cooling systems but I do it mainly for quiet. I got 3 comps running 24/7 full load on these D.C. projects and standard air coolers are a noisy bitch. I like designing and making stuff and water blocks fits the bill.
If your in to dick slinging though have at it. Plenty of competition out there. Just gets expensive. If your not into dick slinging then keep it stock. Water cooling does have more benifits than just overclocking though.
A lot of people for whatever reason think water cooling is only for overclockers. It isn't. Noise is the second reason.
This is my opinion anyway.
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