Benefits of a factory overclock? (Should I just go for best cooling?)

So I think I'm going to go with something from the GTX 560 TI line and as far as I can tell the best solution is to just go with the fastest card, but of course when buying them they range all the way from 822 - 1000 MHz due to different settings from the factory. I'm wondering how much that even really matters. Should I even be concerned with a factory OC when doing so myself is relatively simple? Is the solution simply to go with whichever one looks to offer the best cooling and call it a day?
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More about benefits factory overclock should cooling
  1. Yup, forget the ti, do it yourself on a card with a good cooler on it
  2. I choose factory-overclocked graphics cards for three reasons:
    1. They have better cooling systems
    2. They usually have a non-reference board design with better power systems (more phases = better overclock)
    3. They usually have cherry-picked GPUs and memory chips that can handle higher speeds

    I overclock beyond the factory-overclocked speeds. My GTX 570 is currently running at 860MHz core and 4200MHz memory. That's at 1.1v core voltage. I'm going to see if I can get it higher with 1.125v core voltage soon.
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