Depends on everything else you have in your rig, but I don't think you'll have any issues. You can try OCing without changing the voltage and you should hit 3.0 Ghz without any problems. Anything beyond that will require you to mess with the voltage.
You'll also need to run prime95 and check your temps.
Yeah, as long as you have one of the G0 stepping processors reaching 3.2 shouldn't be an issue. B2 (or was it B3?) could hit around 3.2 - 3.4 while the G0 chips could hit around 3.6 with less heat. You can use a utility like CPU Z to check and see which revision you have. Keep the voltages low starting out and incrementally test your way up to higher speeds.
As for the coolers... Hmm. You 'might' be able to find closed loop water cooling units like the Corsair H60 for that price. I've been toying around with the idea of those lately and have read good things, though air cooling should be enough for your chip.
And last question i have this CPU and im using windows xp 32 bit and my cpu support 64 bit is there difference in performance?
No there is no tangible performance difference. In fact, there is no reason to use 64 bit versions of Windows whatsoever unless you have 4GB of memory or more or want to run a particular 64 bit application. Also keep in mind that if you switch to 64 bit Windows you will need 64 bit driver versions for ALL your components and peripherals (32 bit drivers do not work on 64 bit Windows) - a lot of older hardware does not have 64 bit drivers available.
Yeah, I agree with nitrium on that. Some programs will have minor speed-ups with Windows 64 bit, but on the whole there isn't much of a difference. Old games written for DOS will work on 32 bit Windows, while 64 bit Windows will require an emulator like DOSbox.