Personally I'd say stretch your budget and go for the 975, 3.6GHz standard clock
I was set on a 955, ignored the 965 because as Baker says, if your overclocking, you dont need to pay the extra for the 965 do it yourself, its basically the same chip then I saw the 975....
and yes, Water or Ln2 is the way to go for superclocks
Moto