I want to add few other things to that response. It really depends on the programs your planning on running. Some programs let the processor just calculate things a fast as it can. Those benefit from raw compute power, and that is what overclocking effects. Other programs, like almost every game engine, rely heavily on the output of the first calculation to generate the next operation to be performed. This means that they dont always benefit linearly from OC'ing. In fact OC wil only effect the rate at which commands are completed, but not in what order, or which commands are issued. Programs like that benefit heavily from Intel's high IPC (instructions per clock). Multiplayer games are particularly sensitive to IPC, however as game engines change we see more support for utilizing compute power.
You'll notice that when you compare OC performance and stock clock across a range of programs, that certain ones benefit more than others. Try finding out if what you plan to use the computer for will benefit from the effects of OC. If they will, chances are its worth it for you.
ALso if your questions are things like boot time, opening programs, loading screens, those will all be effect by hard drive performance.