Is generic cooler good enough???

G

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I plan to buy a Tbird 1.2 and i dont want to overclock it so my question is is the generic heatsink-fan combo good enough?
 
What's a good target temp? I'm new to over clocking and don't know when it's too hot. Haven't started because of this. I'm looking at working with an AMD Thunderbird 1.1 if that matters.