No.
Because a card is shipped at X clocks and should be fast enough out of the box.
This,cant see why you would have to overclock a card,if it was not fast enough when you got it then you purchased the wrong one.
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No.
Because a card is shipped at X clocks and should be fast enough out of the box.
No.
If its 100% stable at stock then its working as advertised.
If however any of its advertised claims are factually incorrect then its miss-sold and thus needs to be returned for a full refund.However usually the wording is careful to suggest but not definitively state overclocking ability.
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If it performs and plays all the latest games at highest settings at stock then I'm more than happy. I'm not too concerned about overclocking video cards tbh. Maybe just for the fun of it but that's all. If I really wanted more than i'd be quite happy to purchase the next level of card rather than rely on overclocking performance on the basis of my purchase.