Thanks for bringing up the excellent points, Sonny.
In my case, I had run my memory through the memtest86 suite of tests at higher FSB's (157 MHz +) and had it turn out with 0 errors. Since that program is OS and hdd-independent, at least the RAM, RAM controllers, and CPU could be eliminated. (a problem with any one would have generated errors) So, I suppose that left any PCI devices, the hdd, and the IDE-controller.
At any rate, the slower you can get away with running the PCI / IDE bus, the less likely you are to see hdd / data corruption errors. 200 MHz / 5 = 40 MHz, which is still a 20% overclock of the said buses. 195 / 5 = 39 MHz, which is only a 17% overclock, and is likely "doable," depending upon your hardware.
Good luck! Thanks again, Sonny, for bringing up some very important factors. -- Paul