Well if overclocking isn't your style, lets hope $$$ spending is (overclocked Semprons reach speeds near Athlon FX-55), and it's not risk at all, if you go to your bios, there's thing this (soz idk what it's called exactly but it's prolly different on different bioses, but it monitors the cpu temp., and as soon as it hits the mark that you set for it, the pc automatically shuts down), and you could look up appropriate temps. for your particular cpu to see if you're in the righ limits, and you're good to go. It's still your choice, I'm just pointing out the thruth about overclocking...overclocking is safe if you don't go crazy...thats all I have to say.
Athlon 64 X2 4400+, nForce 4 Ultra chipset, 1 gig ddr400 d-channel, GeForce 7800 GTX OC,2 WD 74 gig Raptors in RAID