Im guessing my water would be classed as noob too, even though i had to physically put it all together (swiftech H20-120).
I got that for £50 so less then the H50 costs new, and was my first step into water, oh wait i better not call it water as it did'nt cost me a fortune, and will be upgraded with better stuff shortly.
Like some have said they like to find a balance, some like to have there stuff running max all the time, each to there own when it comes to that one.
Myself for example, i allways love to find the max i can run my stuff at, because im curious, but i then choose upon an overclock that is best suited to me for 24/7 use.
My E8400 runs 24/7 @3.6ghz due to the fact i can have it at that speed, on the lowest vcore my mobo will allow, so in essense i get a free overclock, at under stock vcore.
But iv also pushed this cpu to its limit on the current setup (4.5ghz, memory limited), and if i really wanted to, i could run that 24/7, all be it with high temps, so would need to upgrade my rad.
I personally overclock not becuase i need to, stuff i do is fine on stock speeds, i overclock becuase
1: I can
2: I enjoy it
Same kinda reasons why i wanted to dabble in water cooling, all be it low end atm, becuase it was something new to learn, i don't need it, but keeps the mind active doing research and stuff.