Over clocking is very misleading, especially since depending on what you do may or may not affect the system. If you are crunching tons of pure data or say rendering digital audio, I would go for the stability of the system, because over clocking could royally F that up. OTOH, say you are gaming, where as a lot of stress and instruction sets are handled by the GPU which means that the CPU can do other things, that is where over clocking may make a difference.
Remember that pure bandwidth is not the end all be all performance factor in processors anymore. Data through put does help when doing certain functions but there are plenty of functions where stability would matter most.
Synchronous transactions versus asynchronous transactions for example. When doing things that are synchronous you are only as fast as your slowest component, which most of the time will be disk I/O so processor speed doesn't have much of a factor in that. Disk I/O will always be a bottle neck factor.
So, yes, I can gladly say that with a straight face because benchmarking and video games are only a small part of what computers are used for. While most users on this forum tend to use their computers mainly for gaming or multimedia not everyone does.
Also, when you start pumping out instruction sets at a higher bandwidth it can cause all sorts of stability issues. There are so many factors that no one covers with over clocking because they want to market you the third party hardware and want your money for it.
I am not saying it won't help but I mean come on, can you tell the difference between 50 FPS and 70FPS? Probably not.