I don't see how much if anything moneywise is saved tbh. Maybe with multiple pcs in a work environment etc.. but a single pc? As far as overclocking damage, if done right then its neglible, say a few months of a 20 year lifespan. By the time damage would have occured, the cpu would be in the bin already a decade earlier, for example. I've still got a K6-3+ 450 thats been running 24/7 @ 620Mhz 2.4v since god knows when in a friends ancient win98/later windows 2000 CCTV box, only update is a pci card for a 750gb hdd 2 yrs ago when the 8.4GB seagate packed in lol.