Its really not worth paying the extra so the factory and overclock it for you. Its relatively difficult to physically 'damage' a video by overclocking as long as you dont touch the voltage. Id get the stock, and use MSI Afterburner to OC, it works great. Easy to tell if its stable, just run Furmark for 15 min and watch carefully to see if theres any artifacting.... if there is, back it off abit. NBD. Only reason to ever spend more than you normally would, is if your actually getting something physically better, aka More framebuffer/shaders/mem bandwidth.