The stock cooler for AMD or Intel is fine for mild-moderate overclocking. But I wouldnt suggest the FX-4100. The Bulldozer architecture is absolutely TERRIBLE with most sandy bridge i3 processors beating the 4100's rear end all over the board. the 8 core FX-8150 performs less than 15% better than the Phenom X6 1100T even though it has two more cores. The FX-4100 is actually just an 8150 with 4 cores not there lol. Plus the benefits from overclocking are minimal but more so with AMD. I think its more a hobby. I love to do it too though
if you have to overclock spend the extra money on a nice i5 2500k instead of the SSD and buy a 60 GB SSD. You can fit your OS and a some games on it. You can shave off some more of that financial weight if you want by buying 1333 Mhz ram and you can OC that to 1600 Mhz when you get it. But again the performance gain is minimal
Oh also the cooler master Hyper 212+ or Evo is a very good choice. A lot of people get the 212+ and buy a second fan for it to increase the air flow and more efficiently cool. Ive heard of people getting i5 2500k to 4.8 Ghz with cool temperatures that way.