Well considering you will eventually want to push your CPU to the limit, regardless of the CPU (Intel or AMD), you will need to have specialized cooling if you want your CPU to last 5-6 years.
In addition to that, if you don't want to burn out the motherboard as well, look into getting a computer case with good airflow, or purchasing an open air rig so heat doesn't buildup.
Personally, I've had Hex and Octa core systems perform just fine with air cooling and no overclocking. However, should you want to get the max useage out of your CPU by overclocking, you will need water cooling of some kind.