Should I change I/O settings ?

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Question: Should I change I/O Vol. Settings on the motherboard from 3.56 to 3.69. As of now, it is at default settings. I've overclocked my Duron650 to 800 but I can't go any higher. Do you think changeing the I/O Voltage will help. The manual says that it is not recommended to change it because it might decrease life of components. I do not care about processor because it is inexpensive, however, I'd not like to see my ATI Radeon 64DDR to get damaged because of the increase voltage. Does this really decrease life expectancy of computer components ? Is it possible for processor to get damaged right all way after bumping up voltage ?
 
the i/o voltage is for your memory and whatever cards you have installed in the agp ,pci and isa slots it does not have anything to do with processor or cpu voltage.and yes upping the voltage without proper added cooling will reduce the life expectancy of components.
 
Normally, you just raise the core voltage when you overclock with the multiplier. If you are overclocking FSB then you may need to raise the I/O voltage but when you do this you are raising the voltage on the chipset, PCI bus, AGP bus, and memory. Also note, that the specification is for 3.3 volts. The A7V is set high to 3.56 volts by default. (I assume this is for overclocking FSB). I don't know how much higher is "safe" but it is not even needed for increasing the multiplier.