Well, having received such useful and timely advice on this board, I wanted to return and give back a little by sharing my adventure into the ghetto.
If you get bored on the weekend and want to try a cheap and easy cooling experiment, go to Walmart and do what I did (note, this will work best on rigs that have a side vent):
Buy a Cool Breeze 6" fan. Actually, I bought 4 and just kept the most silent one (was nice and quite at full speed). The return people loved me by the way.
Extract the front grill (need screwdriver) and put little one-sided sticky padded circles (Home Depot) on the top part of the back grill (note the 2 sticking back to back....I initially had just 1 there balancing on the top, but the little bastards
kept falling off so this worked much better).
The dimmer switch (bought at IKEA many moons ago) and lucky guard dragon are optional. The fan has 2 speed settings that will satisfy most, I just like to play with the dimmer switch and see the results. At full speed, this fan is equally loud as all my system fans and at about 80% is completely silent in relation (with just about same results).
Take the fan and place it at side vent level (I used my wife's Thesaurus...she never used it once in 7 years and it is just the right height). Next, lean the fan onto your computer case as such:
The legs on this fan are great as they make it lean forward against the case and the little circle pads eliminate any vibration! I also cut out a piece of screen door netting from a roll I had and placed it between the fan and my side vent grill for a little extra dust management.
Run your favorite stress test tool on CPU max load setting until you get consistent full load temps.
Run your favorite temp monitoring tool, note load temps and then turn on fan. Watch temps drop to consistent low and log difference.
On my rig, the temps dropped by 5-6C on my 2 cores (highest went from 59C to 53C) and CPU. Pictures? We don't need no stinkin pictures! Ok, fine:
Look at the Speedfan graph for the temp curves and effect of the fan.
...and then back to Idle with the fan still on and then off (see little bump back up at end):
What was really interesting is that I slowed the fan down quite a bit (I would think about 75% of max speed) and the temps still stayed the same or only went up 1C sporadically. In my cases case (haha), the fan blows, via a small funnel on the vent, directly onto the CPU HSF, mostly over the Northbridge and a bit over my RAM that is toward the top right side on the mobo.
As for me, I am quite happy with this result. My temps are good, I have on demand cooling (the dimmer switch is sweet man) and I am ready to move onto 3.2ghz this weekend. All this folks for the price of a Big Mac Value meal...and it's healthier for you too!
If anyone tries this trick, or finds a different fan, please report back your temp results.
And please, don't stick your grubby fingers in the fan while it's spinning (it could unbalance the fan of course)!