Allright then. Not an Hybrid then. Maybe a 250 ssd and a 500 hdd. So whats the difference with overclocking and the Turbo Speed?
Not really much. The turbo will analyze its own power consumption and similar and downclock back to base if something is out of whack. Overclocking usually forces a higher frequency regardless of other metrics. You can balance the two by bumping up the turbo multiplier so it 'turbos more' which is also an overclock.
Adding to this, increasing the turbo maximum is an easy way to give it a bit more oomph but you will always get better and more consistent performance increases if you do it on your own. The fact that you're worried about it being safe is all the more reason you'll have no problems. As long as you know what you're changing and why you'll be fine. Even then hardware usually has a built in auto shut off if you start overheating.
In my opinion it's kind of foolish NOT to overclock if you have the capability to do so. Outside of a little time spent and a marginal increase in power consumption, you're literally getting free performance by changing numbers on a screen. Your warranty for your hardware might be violated officially, but usually that's a non issue and not really enforced as they have no way of knowing. I've returned overclocked graphics cards with no problem.
My CPU had an increase of 23% in raw benchmark scores just from overclocking. That's pretty significant, and I don't even have a high end overclocking motherboard or crazy cooling. Overclocking my graphics card gave me an increase of 15% in benchmark score and 7-8% increase in a game benchmark. The increase you get will obviously vary and not all applications will scale the same, but there is definitely tangible and noticeable benefit from it. GTA V felt noticeably smoother once I bumped my GPU up and my 8320 churns through stuff at a consistent pace versus the unreliable stock clocks.
If you're comfortable doing it, you should. If not, then leave it alone and be happy with what the manufacturer made as it comes in the box. It's your hardware and you'll enjoy it either way.
Finally, shameless plug for our CPU overclocking guide.
http://www.computerforum.com/threads/cpu-overclocking-guide-for-unlocked-intel-amd-cpus.238737/