well, i think that the insulation that people use is pretty efficient...a lot of people use this method, and have good results.
as for how cold a peltier can get you...i would say that
-20 MIGHT be a little low, but you can get quite a bit under 0°C.
if you have a peltier with a heatsink on it, with just the cold side sitting there, it will get cold, cold enough for it to be hard to touch it.
and as for the price? well, i dont know....i know that at frys electronics near me, you can get a 75w peltier for like 15 bucks i think...(US)
but i dont know which peltier to use for an athlon...i dont know if 75w is enough. maybe it is...maybe it isnt. i dont know.but with a peltier, you need to have good cooling. you have to cool the hot side of the peltier, or the peltier will melt. the hot side that is. and then the peltier will fail, and so will yur cpu.
-DAvid
-Live, Learn, then build your own computer!-