Hey Hovard !
I never recommend overclocking for several reasons :
1. Your CPU can die right away
2. It can die slowly, but with the same result
3. You can NOT achieve serious advantage by overclocking (~15-20%), so you wouldn't feel a difference
4. If I'm not mistaking, AMD makes probs after that.
5. If you want to use SW for that, it has to be m/b specific
6. If you'll do it the HW way (jumpers), and your m/b is smart enough, it wouldn't work, or would work the same way
7. Finally not all CPU's support overclocking. If it was "downclocked" on a factory, cause of quality lack, no way it would work better then default
Cheers
Chef
P.S. You have a great configuration, man. If you wan't to upgrade sth, have a reason for it, just like Savage mentioned.
For games try to get better VGA card, for heavy graphics editor, get more RAM & so on ...