S_I_N, you asked me to post back. I oc'd to 4.0 using the Overclock Assistant in the BIOS (v2040). The only change made was the processor speed. I decided to try the Intel cooler first and my temps in Intel Desktop Utilities and in CPU-Z are 33 idle and the highest I saw it go in FSX was 63. I have all sliders at max, frame rate ~75 with just a very slight shimmer. I'll fix that in the morning after I raise the oc to 42. That may be too high, don't know, but if the voltage changes and temps go too high, I'm just going to revert to 4.0 and keep it there.
One problem I have is with my power supply wires. I have a 600W Thermaltake and it has a lot of insulation on the wires which make for a big mess of wires in the case. This is cutting down on air flow from the front fan. I don't know who made my case, but it has NVIDEA on the front and no place to route the wires. I know I bought it from Newegg just over a year ago when I built this thing. Do you know of a good ~600W supply with small diameter wiring? Can't tell anything by looking at them on the net.
Anyway, right now I'm satisfied.