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You should not over-clock in summer without proper water-cooling. Fans can’t handle 45C room temperature.
In fact, I sometime down-clock my Pentium 4 PCs to extend their life and reduce crashing. However, Core 2 Duo can easily run at normal clock speed.
That’s right. You should never overclock a Pentium 4 PC without proper cooling solutions. You can overclock Core2Duos but how much OC they can take varies between different models. I keep mine at 15% overclock in summers without any troubles using just a simple casing with 1x120mm, 2x80mm fans, normal thermal grease, and adequate air flow. However, in winters, I usually go to 25% without requiring any cooling solution. And this is in at normal room temperature without an A/C.
@ShoukaT: The mobo temperature is affected by all sort of overclocks. So if your PC is ‘feeling the heat’, as determined by a proper software/hardware monitor, you should limit the OC to a max of 10%.