Also wanted to add: For saying CPU would last longer at 3.3ghz on stock voltage vs say, 4.5 on a fixed, optimal voltage (what you need to stay stable, but not more voltage than you need)
sure, it would last longer at lower clock speed and voltage - but there's nothing really special about overclocks that breaks CPU's or anything. It's true that longevity drops some the higher you go on voltages, heat, but it will still last practically forever. There's no sense in running your CPU at 2ghz because you are scared about longevity at stock, just the same it's not really a concern at all for a low-med overclock (4.4ghz)