help a newb: processor agp and ram overclock, fan issues, e

the exact model of the memory is T6464D47-BU1LDC9M. i downloaded the specifications pdf from legends website however it doesnt seem to mention any timing values, only electrical stuff.

i got the program prime95 and tried all three torture tests which failed instantly so i guess this is indicating both the processor and ram are set to fast...is that right?

also, i have clocked up the agp port (running a radeon 9250) to over 100mhz without any problems, is this a good idea/normal? granted, the only graphical application i use at all is milkdrop and media player. but i thought it might be worth bumping it up for better performance in milkdrop.

one final question, i have got the program speedfan. my 'core' temp is only 30 degrees celcius under stress (an i live in a hot climate), however the temperature of my ide hdd is 49 and has a warning (i didnt even know my harddrive had a monitor), is something going wrong?

also, speedfan says i have 3 fans and 'Fan2' is off. i can only see 2 fans visably when i open the box; one on the processor and one on the case. is speedfan making a mistake or do i really have another one that is off (maybe thats why the hdd is overheating)??