AMD Phenom II X4 965 Black Edition Fan Speeds

When I'm playing games under load like Borderlands or Starcraft 2 my Cpu fan speeds up to nearly 6000 rpm and gets suspiciously loud. Right now with 3 google chrome pages open and a live stream it is running at 4700 rpm and about 50 degrees C. I have the stock cooling fan from amd and was wondering if its running too hot or if its just a really loud fan.
 


It has been loud since I built the system, but has gotten slightly louder which Is probably due to I built it in winter, and my house is a good 20 degrees warmer now in the summer. I just left my computer sit for a while while I made food and idle it was about 35-47 C
 


 
Ok, so I need an opinion on what to get now, should I get an aftermarket heatsink or rather get a liquid cooling system with just a cpu waterblock such as :http://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=7413645&CatId=499
I am probably going to overclock my system.
 

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