Ok so I checked GPUz and you were correct that the clock drops when I'm doing normal things on the desktop and returned to 680 when I started playing a game.
Temps right now are doing pretty well. CPU for both cores are staying under 90 degrees F under max load while the GPU is about the same while gaming. I just tested my Thermaltake cooler and this dropped the temp for my CPU at max load down to 75 F and the GPU down to 79 F.
So even a minor OC wouldn't even bump me up anywhere close to the temps I was running before. Also Rivatuner won't do me any good as it's for Nvidia cards and I'm running ATi. Thanks again.