they do come with a stock spu cooler, not the best, but if you arent going to OC, your gaming will be light, and you arent planning or running your computer under a full load for hours on end, i dont think you will need to get one. Maybe someone who is more tech sauvy will weigh in, thats just my 2 cents.
If you're not overclocking, there's no need for a different cooler, unless you find the stock one too noisy for you. If you need a low-noise one, don't just randomly get any cooler, look at Frostytech's top "5" heatsinks for low-noise suggestions, like the Scythe Orochi, etc. (be aware that some of them are discontinued, or are only found on newegg via model #, not name).
The stock cooler will be more than adequate for all of your needs, otherwise they wouldn't include it with the CPU. A majority of people that buy computers never open them up and modify them (or even build them in the first place). If stock coolers didn't work for most people, you would have even more people dissatisfied with their computers.
Thanks for addressing the question on the cpu cooler. I figured I would be ok with the stock cooler if not ocing. I already got this hdd because of the package deal from newegg. It was more power and a flashier case than I needed or wanted, but the combo savings justified them. Plus I figured down the road the extra power will enable me to add a second gtx460 and possibly a ssd.