First of all, Northwoods run at 0.13m. This makes them cool as hell, given their nature to be able to pump in MHZ, and the fact they are majorly stripped of many needed performance components, their temps are relatively low. Retail HSFs will of course sound more useful then.
It would be exactly the same thing if Athlons were 0.13m, and had been stripped of some components. But it is a standard "rule" almost, that any Athlons with Retail HSFs are made for home users who won't overclock. That is why a 3 year warranty is issued.
If you decided to overclock, you are as of then, a user that has voided his warranty. You are at no position to blame anyone for the results of your OC, especially when it's a Retail HSF. If you choose OEM, again you may use any cooler you find adequate, and use it, and OEM CPUs are generally targetted at the overclocker public. Which is why warranty is not needed.
Finally, warranty itself, as I stated, is next to useless man. You should not fret, because chances are you will NEVER touch the warranty ever. I mean I could buy a CPU with no warranty, yet I won't care! If Athlons have no heat protection, so what. Currently the majority are overclockers or enthusiasts. The majority can work their way making very good cooling, or use the Thermal Protection available in any mobo now, (not AMD's thermal protection diode though) where you can set the shutoff temp. My Epox 8KHA+ has a warning temp at 53º, yes that low, and shuts off at 60º. Since these are not accurate readings like the diode on the CPU die of the AXP, this means I have to set such low temps, as in reality the temp could be higher on the CPU die.
Conclusion: DO NOT WORRY. WARRANTY IS NEXT TO USELESS IN CPUs, EXCEPT RARE CASES. If you are one of them cases, please show us pics, you will be venerated forever here!
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For the first time, Hookers are hooked on Phonics!!