You don't need to get an aftermarket cpu cooler if you're not going to Oc it. But an aftermarket cpu cooler looks cool if you install one of course you'll get a more lowered temp on you're cpu. And yes a H50 or H70 is an efficient cooler and quiet.
Check my specs below. At 4047 OC my CPU's temp is 25c idle and 35c max when
playing Black OPs 1920x1080 res and 90 to 155 fps. I really like the H50. The H70 did not
exist when I built this rig, but what I can see by it's pics it looks thicker. Probably
cools better and only costs a little more.
Thermaltake Armor Case (Steel)
ULTRA LSP 750 PWR Supply
Asus M4A79T Deluxe MB
AMD Phenom II X4 965 OC'd w/Turbov @ 3570 MHz
Corsair H50 CPU cooler Push/Pull fan setup
4 Gigs RAM 2X2 G Skill Rip Jaws DDR3-1600 CL 9-9-9-24
Saphire HD 5750 OC'd w/CCC GPU CLK 825MHz, MEM CLK 1250MHZ
ACER H233H Monitor
Windows XP Home
OC'd CPU to 4047 02/02/11
Confirming that you do not need an aftermarket cooler if you do not overclock.
Also note that the hole in the mainboard tray isn't foolproof -- you may still have to take the mainboard out of the case to install an aftermarket cooler. It depends on the design and whether your CPU socket actually lines up with the hole. Mine doesn't.
I just installed a Thermaltake Frio in a HAF922 case.The backhole is just right to fit a cooler without removing the mobo.It's a tight fit but i didn't have to take the mobo out.
Even tho your not going to O.C., get a Hyper 212+ and some LED fans to go with it and it will add a nice glow to the case.The hyper 212 is really cheap and the cooling power is there if you ever decide to get into O.C.ing.