1.2 is only about $20 more for that extra 200Mhz. On OEM vs. retail, it depends on what you intend to do. If you are going for an extreme overclock, OEM is the way to go. Put the $25-30 savings twoard a top HS/Fan and some Arctic Silver or whatever. If running at stock speed, the retail HS/F will do fine and you'll have a 3 year warranty.