hmm i want to upgrade my pc again soon ( when i get a job )

an i want the AMD Athlon FX55 San Diego 90nm (Socket 939) but ive heard they run hot?? yer see i dont want to waste alot of cash on a oven when theres one in the kitchen... but i would also like to oc it would you say water cooling would be good?? an is water cooling easy to fit? im not into buying package pc's rather build my own but im 19 an still learning.. would you say go with that or stay with pentium an go for the highest one when i come to buy?

thx