I personally only fold on my cpu in my sig.
The folding client runs on an idle basis, so therefor if you are say folding then all of a sudden need cpu power for something else, the other thing gets priority over the folding client, Stanford set up the clients this way, so they don't hog resources.
People that spend an absolute fortune on folding rigs/farms do so as they have relatives that are affected by the diseases that stanford are trying to cure. I know of one person that spent well over £20k on a folding farm, but he had the money, and really wanted to help, that dos'nt mean everyone has to, or even wants to.
There are 3 ways to fold on the Cpu, System tray client (folds older cores) and is generally best for older cpu's, Console client (folds newer A3 cores) and is generally best to use fast dual or quadcored cpu's for this, but not a necessity. Then you have the uber projects called Big Adv's (Vmware client), theses beasts need horsepower, so the min cpu you will need is an I7 (8 threads), even then these take some time, as they are coded for multi cpu setups.
I personally fold as when im using my computer, my cpu barely breaks into a sweat on a daily basis, so i decided to start folding to make use of my computers power, and to help stanford in there research like many others world wide do, yes you get points everytime u complete a project, and if you are in a team u can have mini battles with each other, but thats it, its friendly competition and everyone is folding for the same purpose to help.
As its been said before u don't need uber fast pc's to fold, yes they help to reduce the time it takes to do a project for example my old E8400 @ 3.6ghz used to take 15 hours per project, where as my I7 @ 4ghz takes 5 hours to do the same projects.
Also im certainly not a 24/7 folder as my computer is in my bedroom, i generally do 1 or 2 projects per day, as my computer is on for that length of time, i then just stop the folding, shut down the comp and done, you can allways stop the folding client from running, when ever you like, it dos'nt run all the time, u have to actully start it up. So its all user based, as to when u run them.
To those wondering about temps, it is just abit lower then say prime/ibt/linX but folding does stress your cpu/gpu depending on what your folding on. As an example my Ibt/linx temps on my cpu in sig are high 60's lows 70s, when im folding my core temps are generally high 50's to mid 60's.