Look, chances are, you're not going to own your 2500k or 2600k CPU 12 to 24 months down the road.
Race your CPU to win.
If you're some chicken shit that babies their cpu, then fine, whatever. A $1000 cpu, yeah, sure, maybe. But c'mon, a $300 cpu?
Also, lets NOT forget these cpus have not one, not two, but a fist full of built in protection against thermal damage.
Crank up the vcore and run your CPU to win.
I'm running at 1.42 on average under load, temps in the mid 70's with about the max being 85 and watch, I betcha my 4.8 and 4.9 overclocks will still be going strong a year from now.
I'm not trying to be an ass but honestly, don't be timid, shy or scared to eek out every drop of performance you can.