If it crashes before 12-24 hours of Prime95 (or any other CPU stress programs) or heats up beyond 70-80 C, then I would advise reducing the clock rate a bit.
Also, I recommend that you keep the voltage below 1.5-1.6v, and reduce clock/voltage once you start to hit a diminishing return (more voltage for less clock).
I wouldn't expect a great OCing with the stock heatsink.