h9dlb :
Is a fan necessary if I have a big heatsink or would the chip burn out?
depends...
Check the TDP - it's a value that refers to the maximum amount of power your cooler needs to dissipate.
The more you have, the better cooling you'll need to have.
Take a nofan-cr100a cooler - it has no fans (as the name says) and can cool anything under 100W of TDP.
BUT! There is a big BUT! you'll need a good vented case, so the heat can escape.
Example - let's say the 95c cooler will cool your 95W CPU at about 50oC above ambient temperature.
You have about 26oC in your room, so the CPU will run at 76oC. Which is nice...
Now. If you have a badly vented case, the temperature inside rises inside to... let's say 40oC...
And your CPU will fry at 90oC and shuts down....
FYI - a Noctua ND-14 /a nice cooler with fans/ would cool the same processor at about 15-19oC above ambient.