Does OC reduce cpu life expectancy

Yes, overclocking will reduce your CPU's effective "lifetime", But
CPUs are designed to last for around 10 years as it is, overclocking would maybe reduce that to 5 years. But if you game/fold enough to warrant overclocking, then the chances are you'll upgrade every two years or so anyway.

Also, the life depends on the voltage and temps of the OC, which cooler are you using?
 
I'd say if you've got voltage down where it should be and have a cooler adequate to maintain sane temps at load then your chip will live a long full life.
 
IMO a non-defective CPU will last more than 15 years. If you don't raise voltage while overclocking, it shouldn't matter at all. If you do raise voltage, then I'm pretty sure you just have to keep it cool, and you'll be fine. A .05v bump isn't going to hurt anything, and as long as you keep it under its max temperature, a .15v bump won't matter much either. I keep my Celeron D 356 at 1.5v (from 1.4) overclocked from 3.33GHz to 4.5GHz. Granted, this CPU is a beast overclocker since it's an engineering sample and it's a Celeron D, but since I keep it running at ~60C under load it's probably going to last me a long while.

In short - you'll be fine if you keep it cool and don't raise the voltage too much.
 
I have a P4 Running 2.6GHz (slightly underclocked) that still runs great. I had to upgrade ram to 2GB though. I had to switch the heatsink and put AS5 on it to keep the temps down as well.
 
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