I'd say your temps are a little high, but okay. As far as the clock goes, amd and intel started doing that a while back, my 4200+ underclocks to like 600mhz when it's not doing anything. It's perfectly normal.
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My System:
Amd X2 4200+
XFX 7900 GS XXX Edition
2 Gb Pc 3200 DDR ram
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