At the end of the day if your building a #600 pc chances are you dont need blistering speed so overclocking is pretty unnecessary :P
If your gaming on it you really dont need a flamboyant cpu if buying a current modal, as theyre all way better than neccesary.
As for gfx overclocking, youve got more chance of doing this than cpu if u want more useful power, youll only really be using software to overclock (ati overdrive is built into ati catalyst control centre, rivatuner for nvidia cards). Chances of you damaging an ATi card using catalyst are practically zero, and if you do they cant tell, so i wouldnt bother paying extra for a warranty requiring RMAing to a manufacturer.
As for Vox's comment about the fans, if you intend on jamming the pc into a small corner then yes, otherwise it will be fine on its own tbh. add the fans if you want but at most youll see a couple of degrees lower on your cpu temp, when its gunna be in the green by about 20*C anyway.
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