I am being conservative. Yes, the stock cooler will do the job up to a point, but I prefer to spend $30 for a cooler with a large slow turning 120mm fan just to keep things quiet. If the added cooling helps the oc, so much the better. It is the higher oc's that push the voltage above 1.25 or so that really ramp up the chip heat. Again, though, just how much benefit do we really get with overclocks past 4.0?