Well, the inexperienced should not overclock their expensive computers on their first try.
My first OC attempt was on a celeron 466 that I built at the tender age of 4. Obviously building comps at the age of 4 is far from average but I digress, lol. I didn't OC it until I did some research, not on the internet back in 1994 but rather by asking a few older (30's) friends of my family who were into computers and eventually I caught on and I got that 466 to 720MHz with a custom machined heatsink and 60mm fan that a friend of mine made at his steel/aluminum shop. Obviously I didn't leave it OCed, that was just a learning experience for me, since playing the original DOOM on a Celeron 466 gave me plenty of FPS and overclocking yielded 0 gains in performance in Windows 95 lol!
What my point is, if you are afraid of damaging components, just be happy with them at stock speeds, if you are going to OC, expect trouble and expect to have to pay big sums of money to get replacement parts if you screw up, ***** happens.
My best analogy is basically one motto that I would live by if I ever had to spend my own money to buy stuff, don't buy anything unless you have the money to buy ANOTHER one if the first one fails, not even a Ferrari or house!