It all depends on the mobo, I.e the later chipsets have better heatsinks on them, I've OC'd my x99 5930 to (Daily use is at 4.4ghz) and the vrm stays around 47-50c, Chipsets are only worth it if you're running SLI or crossfire, anything with high demand in that region.
Like mine is at 27c and its fine all the way to 45-50c.