I like water so an H80i or a Kracken X40 but these are not cheap they start at around 70-90 dollars...
As for Air Coolers I like the Noctua NH-U14S and Xigmatec Dark knight (Dark knight looks cool too) but they ain't cheap starting around 60 to 80 dollars.
For cheap coolers go with the Cooler Master Hyper 212 EVO for around 30 to 50 dollars. It's cheap and gets the job done.
I've lived with temps like that for years on end and as long as your system is stable you really should be OK. The one exception would be if you set the voltage way beyond spec.
Thanks for all your help guyz I think I`m gonna stick with what ive got now then in the future (when I become a extreme overclocker) I`ll probably spend about 300$ on cooling so I gotta save for that. Again thanks for everything