It boils down to this: When you overclock your FSB on boards without a PCI/AGP lock, you are effectively overclocking the I/O buses as well. Example... PCI/AGP run at 33/66Mhz at stock. If you were to OC your FSB from 200Mhz to 220Mhz, the PCI/AGP buses could be then running 42/75Mhz. Many devices freak out when their frequency changes like this, leading to nasty problems, such as total HD curruptions. I've also heard of it damaging hardware. The PCI/AGP lock fixes this problem by locking those buses at their standard speeds.