You have a 3+1 Mosfet board. Those black blocks to the left of your CPU, those are your mosfets. There's 4 of them there. 3 for the CPU, 1 for the IMC, thus 3+1. That's usually only enough for a 95w CPU.
You could do an unlock, plus a LIGHT overclock just fine. Somewhere in the realm of 3.2-3.5GHz would be perfectly safe on it. Get some VRM sinks on those mosfets, and that board SHOULD take it just fine. I would not go much over 1.35-1.40v with your overclock plus unlock. Without the unlock, you could go 1.40-1.45v as the most, which I'd rather have the unlock personally.
Yes, overclocking DOES increase your wattage pull as well. Just like the unlock does. If you unlock the L3 cache, that puts you at 125w already. Overclocking the CPU, you could pull as much as 140-160w, from the stock 95w chip. This is why I'm suggesting to keep the overclock somewhat low. 3.2-3.5GHz is cake on these chips, and should be doable with LESS than stock volts, which will keep the TDP down.
You're not going to flat out KILL anything with 60-65*C load temperatures. That was a little bit overblown. But you will find once you overclock, and unlock...that anything over around 55*C will start to cause instabilities. My Athlon would be perfectly stable at 3.75GHz, 1.60v, load temps of 53*C. Once my load temps hit 54*C, Prime would crash. The further you overclock, the LOWER you want those temperatures under load to be.
Again to summarize:
- You're fine with an unlock plus a SLIGHT overclock (3.2-3.5GHz, using as little vcore as possible).
- Get some VRM sinks on those mosfets. That'll help a lot.
- Don't forget about your CPU-NB clocks. I could help bang out a quick and dirty 3.2GHz that should be stable with a nice 2500MHz NB. The NB makes the most impact on how snappy the machine feels, and helps with framerates too.
- When you put the new cooler on, make sure you clean everything with 92% or higher rubbing alcohol and coffee filters (the coffee filters don't conduct static electricity). Paper towels work when you're in a jam, but I'd rather recommend the filters. Then follow that image I posted on page 2 to apply the grease on your new cooler.