The appeal for water cooling is the silence. You can get a big passive radiator setup for absolute silence or you can add a jumbo sized, low RPM fan or two for better temps and minimal noise. I may go water-cooled on my next system, but that's a way down the road.
For now I have a C2D 2.4 GHz air-cooled to 2.88 GHz. I have zero problems with this setup. I had it stable at 3.2 GHz air-cooled, but the last set of BIOS updates won't let me overclock via BIOS, just with the Abit utility. All well, it's just for TF2 and BioShock.
My next PC will also be quad-core, but I know I won't need it. I just like having shiny toys that lead to terribly expensive addictions. Like modding my car...
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