i'd get worried at about 55-60, 80-90 and i'd be really panicking but i've accidentily had my cpu at 86° for a short period with no apparent ill effects (i accidentally knocked the fan controller to minimum speed while my cpu was maintaining 20-30%load over quite a long period of time (as in 20-60minutes) and thought my graphics fan was a bit noisy so i turned on systools to see the temp and hada heart attack when i saw the cpu was at 86, maxing out the fan got my cpu back to ~40 within a minute though, i swear i had the bios set to auto shutdown at 80)
my cpu notmally idles at ~36° in this warm room (i'm talking scotland warm not really hot) at under medium fan speed
it's an athlon64 3000 and it's temp has varied quite a bit from cooler to cooler.
currently i'm using an evo33 with a horizontally mounted mobo (so the cooler is vertical making best use of the heatpipe thing) and it's great, best bit is you can't really clog it with fluff like my old zelman flower used to, or at least it's mmuch easier to clean if it does.
basically a modern cpu should be under 50° in a reasonably cool environment, if the ambient temperature is 30° for example, i wouldn't expect 36° as my cpu temperature.
would you consider 45-50° safe for a hard disk?
AMD athlon 64 3000+, 1GB ddr400, 720GB total hdd, ati radeon X1900gt 256mb (pci-e) 17" tft(@1280x1024).