I won't be over clocking. The CPU I will be using is AMD Phenom ll X4 960T. It uses 95 watts.
You will be fine, no need to change it.
2) You can always undervolt and get the temps further down while maintaining low RPMs (~1400). Inaudible at this level.
3) Just seat it perfectly and use a good TIM (MX-2, for example). The latter is not a must, however. Experiment with the temps and see if they are all right. You want to stay under 60C, basically.
4) Enable Smart FAN in bios, up the temp to 60C (that way fan spins at lowest RPM all the time)
The fan only spins up on system boot up, then cools down and remains quiet during normal operation. And then forget about it until the next upgrade.