It is a luck of the draw thing.
In my case, I wasn't able to push my chip very far. I was looking at 1.48v for 3.6GHz and 2600MHz CPU-NB running on 3 cores. I could have pushed to 3.7, but I figured >1.5v wasn't worth it.
I was lucky enough however to have a stable 4th core. I'm currently running 3.5GHz with 1.48, but only 2000MHz CPU-NB. Any higher on the NB and the system goes unstable.
In terms of performance wise, I can't say I see a difference between 3 cores and 4 cores. Then again, the only games I'm playing are Killing Fields and L4D. Both are hardly graphics/cpu intensive. I'm also not encoding or running any simulations to warrant the processing power of 3 cores, let alone 4.