I got 2.6Ghz from my winchester with the stock fan, and the limitations I hit then were not temperature-related.
The fan is loads quieter than the current Intel ones, but that's more because the intel one is unreasonably loud than the AMD one being amazingly quiet. It's not too bad, but it's not silent enough for my tastes.
I have a TT XP-120 on there now, with a nice quiet 120mm Fan on 5V, and it's still mid 40C @ 2.5Ghz, last I checked.
<font color=red>"Life is <i>not</i> like a box of chocolates. It's more like a jar of jalapeńos - what you do today might burn your a<b></b>ss tommorrow."