This is a pretty noobish question but when your system crashes from overclocking, a bad driver, or just general instability what are the chances of any physical damage being done to your hardware? I guess a good example of what I'm thinking of would be the hard drive. Does the pc locking up/suddenly shutting down cause it any issues? I know if you are unlucky your data could be corrupted but that isn't really physical damage that can't be fixed.