I kind of agree with you and Symmetry; but having had a fried CPU I'm more careful.
No electronics like running very hot - so even if you're just inside spec on something for the heat it's likely to live a shorter life than if you kept it more comfortable - and it'll let it clock faster if you keep it cool!
And really my points are:
* the standard spec coolers just don't manage that on these hot CPUs, even if they claim to.
* If you're building a machine and you know you're pushing it hard, just check the temperatures to check that cooling you bought is working.