monitor your temps at stock hell monitor everything you can at stock
get use to everything.
then oc a little monitor for a day or more then try going up alittle
more and so on
EDIT on my amd 3700 i got it to 2730mhz (stock 2200mhz)
with no vlt bump and temps were same no change
if you oc to a point where you have to up the vlts to go
higher then you will really start seeing a rise in temps