ok, cpus are meant to last about 10 years before dieing. thats right 10 years.some last longer. i have never seen a cpu die, because it was replaced when it lost its usefulness. overclocking it takes 0-5% off of its lifetime, so even if you do oc it, you will replace it by the time it dies if it dies. you could even keep it at stock and it would perform BEAUTIFULLY as it is EXTREMELY FAST. look at these benchs:
http://benchmarkreviews.com/index.php?option=com_content&task=view&id=254&Itemid=63&limit=1&limitstart=5
see, even at stock it is almost the same as the 940, and when it is oc'ed, it beats it. also, it would be so easy to get it to oc to 3.0 GHz, up the voltage, up the frequency, up the cooling, repeat process until not stable, or until satisfactory oc. that isnt even going into all of the other things you can do to get it above 4.0 GHz, where it will destroy and eat anything. if you saved the 300-750 dollars, you could buy a better mobo, better ram, and a ssd, which would also give you way better performance than just a 950 with 1333 MHz ram and a 7200 rpm hdd. you really need to trust what we are saying, as it is very much the truth. watch a video on youtube that pits ssd vs hdd. ssd blows hdd out of the water, and wont bottle neck your system. you put the fastest cpu in the world with a hdd, and you waste your money. i dont mean to sound mean, but hope this helped