using 13x will still give you 2.16ghz with a few notches to play with on the fsb. You're not going to really notice any difference in performance other than in benchmarking. If you can afford it get the Corsair memory. I just looked on Pricewatch.com and saw if for $135.00 per 512mb with free shipping in the U.S.. I'm going to add another stick soon.
I got the fan for $35.00 at a Professional Audio repair facility. They are used in power amplifiers for active cooling, are shielded, push incredible amounts of air and draw no power from the system. CompUSA has some very nice 120mm grilles and filters for less than $2.50 that fit them. Remember to vent the case well because all of that air has to go somewhere. They can make 12v 80mm fans spin backward while still under power. I have done much experimenting with air-cooling. I used to repair power amplifiers and transferred what I learned from them to computer cooling.
What are you using for a p/s and how many things are running off it? Use the biggest one you can afford and put the least draw on it possible. Lights and other crap look pretty but don't make anything run faster.
I don't know what all you have running in the background but here is my XP Pro msconfig setup: Services, Win. Audio, Index Serv., Crypto, DHCP, Log. Dsk Mgr, DNS, Event Log, Help&Supp., TCP/IP, Win. Inst., Net Conn., P&P, RPC, Sys Rest., Themes, Trend (PC-cillin), TrueVector (ZoneAlarm), Win. Mgmt.. Everything except mouse, keyboard, firewall and anti-virus are disabled in Start-up. On my Gigabyte GA7VRXP box with another XP2100+ @150fsb=1.95ghz, 2x512mb Corsair PC3000C2, a 120JB WD hd it boots in 27 seconds from power-on to desktop. With the air holes drilled to 7/32nds (0.20) in the front of the Sky Hawk aluminum mini-server case, all metal in the the fan openings in the back completely cut out and grill-guards installed with a Thermaltake Volcano 7 CPU fan it runs at 36 C/96 F with no addittional case cooling.
Remember to cut away ANY metal in the path of airflow from the fan mounting area for maximun efficiency. Also remember that not all processors overclock the same, one of my 2100's will hit 2.3ghz at 1.65v while the other hit 2.16 no matter how far I increase the voltages to the proc and memory...