I have an Core i7 4790K with a little overclock to 4.2 GHz and a GTX 970 with a little boost (+90) to the memory, but to tell the truth, with today's hardware, over clocking is hardly needed.
I was mildly overclocking my Core 2 Duo E8500 (3.6 GHz instead of 3.16), until it hit me that I cannot afford a new CPU, Mobo, and RAM, so I went back to stock to hopefully squeeze a few more years out of this setup.
Not unless I am benchmarking. I found myself being distracted by temps and gpu clocks instead of actually playing the games.
No. It's a waste IMO. BUT, if that is what guys want to do I am all for it after all it is a personal computer
Intel Core 2 Quad still running fine at stock 3