Some users have recently had their accounts hijacked. It seems that the now defunct EVGA forums might have compromised your password there and seems many are using the same PW here. We would suggest you UPDATE YOUR PASSWORD and TURN ON 2FA for your account here to further secure it. None of the compromised accounts had 2FA turned on.
Once you have enabled 2FA, your account will be updated soon to show a badge, letting other members know that you use 2FA to protect your account. This should be beneficial for everyone that uses FSFT.
Generally it's better to install with everything at stock to make sure that nothing will get screwed up due to system instabilities. However, if you install while running a stable overclock, there won't be any problems. I installed Vista x64 on my current machine while overclocked to 3.4GHz, and I never had an issue.
I overclock and test the hardware first on a spare drive with a bare O/S install. When the overclock is completely validated and 100% stable under 100% load then I swap drives and do a complete install of the O/S.