I can attest to a Q6600 being stable at 3GHz on stock cooling; it ran Prime95 for twelve hours. Temps broke into the 75C range (as measured by CoreTemp) but the processor never had a problem.
Dual-core K8 and Pentium D chips are holding up much better nowadays than their single-core counterparts. Anyone who invested in a dual-core chip a few years ago is getting a lot more longevity out of it than people who went single-core when they were considered to be faster. The same thing will happen with current quads. Although obviously future chips will be a lot faster than current ones, a quad from today will still hold up better in a couple of years than a dual-core chip will.