Oilacct,
The speed that they mentioned on the processor is the OVERALL speed of all the cores. imagine a 2.4 ghz Quad core running on each core, that's a total of 9.6Ghz!!! I advise you read some more about the Quad and dual core technology. It's still a single processor, they only divided it into 4 cores to give a dedicated processor on every application, hence, there will be less lagging if you are doing multiples application simultaneously. If you are not a die-hard overclocker who will push every bit of your processor power and memory to the limit, i wouldn't suggest using a water cooler coz it's very hard to maintain. Get a 120mm heatsink with fan with 2000rpm, a front and rear fan for your casing to circulate the air, i don't think you would encounter any more problem.

It's not because things are difficult that we don't dare, it's because we don't dare that makes things difficult!