Your CPU usually does great under 70c. Above that its getting abit risky but it aint gonna go boom. It also differs from CPU to CPU and from brand to brand alot.
Personally i would not buy an aftermarket cooler if your temps doesnt often exceed 72c. Although purchasing one of those i listed above would probably bring it down to under 50c in games. Its up to you, my friend.
PS: I would strongly advise you to ignore the post above. You are not in need of watercooling if your not planning to overclock your system highly.
@corroded: try to fit in fatjoebro's situation instead of bragging about your completely irrelevant oc temps.