Zach,
Thanks for input, some people have said that overclocking will make the computer components die faster due to increased heat. Is there any truth to this because I NEED to keep my new computer for at least 4 years, more likely 5. If OC'ing would shorten the life even with adequate airflow I may stay away and go with stock speed.
Most pc's have a life of about 15-20 years. If o/c'ing shorten this life to sy, half, you'd get 7.5 to 10 years out of your o/c'd pc. Not sure about you, but I upgrade several times in that amount of years.