Investing in cooling is worth it.
Used to run my i5-3570k stock settings with stock cooling.While gaming,the temps would get very high(80-90°c).
I invested in a total package for cooling:
-Corsair Air 540
-3 CM Jetflo 120 intake(running on 1000RPM)
-1 Corsair AF140 outtake(running on 1100RPM)
-Be Quiet! DRP3(running on 1500RPM)
-Sleeved cables
I also delidded my i5-3570k,cleaned it and placed Artic MX4 on it.
I OC'ed my CPU to 4,4GHz-1,30v(need to tweak Vcore more).
My CPU temps dropped 40°C on average.While gaming,my CPU temps don't go any higher then 40-45°C,even on hot days.