Myeah, technically true. Something like a Q9550 runs up to 70C safely, according to Microsoft's specifications, but it will indeed run much higher without commiting suicide. You can expect impact on lifetime though, but if a chip would last only 3 years instead of 5, it's still likely you would replace it before it fails.
Still, what's the point in burning up a chip if you can get a decent 3rd-party cooler for something like 20-30 bucks? Maybe you can collect the parts left over after upgrades and build a second PC, use it as a server or sell it or something.
Better safe than sorry, right?
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