http://www.majorgeeks.com/ great website for all the tools you'll need.
1-Prime95 is a stress program designed to detect any instability within your CPU. I recommend OCCT over Prime95 as a stress program. OCCT has temperature monitoring, graphs are created after a stress session for temperature, and voltage. And seems to detect instability allot more reliably then Prime95
2-OCCT, Speedfan, HWMonitor all have temperature monitoring.
3-Same as question 1.
4-3DMark (whether it be 3DMark 03/05/06/vantage/etc..) is a benchmarking program. It's good for detecting instability within your gpu, gives you a chance to look for artifacts (visual anomalies), as well as give you a final score to determine how fast your computer is relative to other PCs. However, the score is not accurate in the sence you can use it to measure performance in a literal fashion. Example, if you score 10'000 points in 3DMark06, and someone else scores 12'000 points, they don't necessarily have a machine that is 20% faster then yours. It may even be slower in some situations, so use caution when viewing these numbers.
5-If you are not overclocking, just run Prime95 for 8hours or OCCT for 2hours to test the system's stability. If you are overclocking... google. There are allot of good overclocking guides out there for many different motherboards, cpus, ram, etc...
Yes, OCCT works well overclocking or not. It's, in my experience a more stressful tool then Prime95, so doesn't need to be run as long to find any instability within your machine.
Don't worry about wasting cpu life, at stock speeds, you could leave your system on 24/7 and have it last for 5years+.
Temp wise, it looks fine for a little OCing. 65C is regarded as the highest safe temp on any CPU for core temps. If you don't know how to OC, read the guides here, they will help you tons.
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