I don't know why people here are such hardcore overclock monkeys. To the OP, there are hardly any games whatsoever that are going to require more than stock settings on a modern day PC. Overclocking is a thing of the past. It comes from a time when you actually saw a drastic performance increase and it was actually worth it to overclock. It's kind of a hassle, there's always a risk involved, and as far as the payoff it's marginal on a modern PC at BEST. You don't need it, quality computers are so cheap now and games don't even come close to pushing the envelope like they did when the voodoo 3 was the big boy video card or agp was the cutting edge. Just get a cheap PC and you'll power through any game you want to play. Don't listen to the overclock fanboys, when I mentioned Sandy Bridge I am referring to intels new chipset. This chipset will completely invalidate overclocking anyway which we may see more of in the future. Buying your first PC OEM has a lot of advantages.
You know parts are all compatbile.
You don't risk damaging hardware when installing yourself.
You don't have to buy and install an OS.
You don't have to understand/set BIOS settings or memory timings, etc.