I also investigated overclocking, and found that I had no apparent problems when I tried it on my FIC mobo... operative word is "had" (no, not "apparent"). I decided that the whole system is more reliable when it is tested at the factory by the people who designed it. Having been a career EE design technician - over 25 years - let me say that you have already heard me state why I'm not doing it any more... I'll repeat it, so you can be certain: the factory wants reliability. Their test equipment (costing millions of dollars) is far more accurate at determining what is a marginal device, when compared to "run it and see what happens".
I then decided to reset everything the setup to factory speeds, because I have no more money to throw at reparing whatever fails.
Remember: if Intel or AMD or Cyrix could have sold the processor as a 50 bazillion gigahertz processor, you can bet it would have - they get much more money for the higher clock rate silicon - that is one reason why overclockers do what they do. Overclockers also serve to keep the chipmakers honest, by discovering and openly announcing which silicon is simply too close to being unreliable (it can't be overclocked if it is just too close).
Oh, and did anyone mention to you anything about voided warranties? Overclocking will void your warranty, when it is proven that you did overclock.
The choice to overclock comes down to: must the hardware and data survive - family records, corporate work at home, unique music compositions, etc., etc., or is your system a toy - gaming, etc? The concept is very similar to hotrodding a car: if you supercharge your only car, what will you drive when the engine fails due to the added stresses from the supercharger?? Not *if* it blows, but *when* it blows, because something will become unreliable eventually. Thus, if the system isn't mission critical, and you have no intention of sending a blown overclocked system in for what would be thus be fraudulent warranty claims, have a ball; just remember do not whine to *anyone* when it clocks its last byte. And from what I'm hearing, keep a fire extinguisher handy!
Aside from that, have fun, and use your head - there are quite a few hokey looking tricks out there....