Also understand that water cooling is an expensive proposition--more expensive than just buying faster equipment. Overclocking is a hobby like racing cars. You don't do it to save money, you do it because you love testing the limits of your hardware.
Since overclocking is an irrational thing, there is no way to talk about it rationally. You either love it and commit resources to doing it or you don't. If you fry something once in awhile or spend $300 making an upgrade that you could have bettered the speed for half of that, it is for the love of the hobby. No risk, no glory. Insane speed ahead!
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