Its always best to have a decent, heatsink, I guess, if you can afford it, just becase with computers these days, with every program straining to get every bit of performance, processors get hot easily.
Watercooling is not that expensive, and some people actually use parts of professional watercooling systems to make their own ones. Watercooling defininetly shuts down the noise on a computer. I think I might get watercooling on one of my servers, just I wind up not using it because of all the noise it makes.
The noise is quite disturbing at night, especially when its right next to your bed in a cabnet.
