+1 for not overclocking, but -1 for your reasons...
I personally don't like overclocking, mainly places unnessesary wear on your components that shortens the lifespan.
I choose stability over speed anyday of the week.
Just fr stating the obvious. Turbo mode isn't asmuch a feature, the chip is just self clocking depending on load and temp situations...
But that said, the chip was designed with that in mind(cooling included), thus the stock cooling should be able to give acceptable temps @ a 3Ghz OC in warmer climates(SA).
Just my opinion.
Im almost sure OverClkr will dissagree completely.