Instability can sometimes start before 55 degrees C, although it is fairly rare.
I must say I very much doubt that. The Athlon is designed to work reliably at significantly higher temperatures than that. And in all of my experience, I've never had any heat related instability (only VIA related instability), even though I've reached fairly high temperatures, as I HATE noise.
Also, would you argue against the notion that keeping the temps down also extends the life of the component? I think not.
I wouldn't want to argue against that notion. But for how long are you planning to keep your CPU going? Probably a year or two at best, and given such a short anticipated life-span, I don't think it matters. You'll upgrade before it breaks.