I dare anyone to find a gfx card that wasn't already bad out of the box that failed after a simple gpu and memory overclock, without a volt-mod/increase.
No, I can confidently say you're not going to damage or break a properly-functioning gfx card by simply overclocking the gpu/memory/shaders.
Quote:
Originally Posted by iandh
Just overclocking alone will not damage the card. If you OC a card to the point of instability (where leakthrough or electromigration is happening) and continue to run it at that point, it will damage the card.
In general, as long as your OC is completely stable and your temps are well under control, OC'ing will only marginally reduce its life.
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Even at that, I'd say instabilities leading to artifacting will still not really damage the card since most of the time, the artifacting/improper functioning is not a result of temperatures being too high, but rather the card not getting enough voltage to run the clocks that it's set at. Though that's just my gut feeling. I will agree with your last part--of course any sort of oc'ing will in theory lessen the usable lifetime of the item.
OP--it's very synonymous with overclocking a CPU with stock volts. You're not going to break it.