I'm amazed that such poor advice is given.
I forget where I read it, but there was a beautiful article where some reviewers build a system from no case fans to many case fans, and found that the one which cooled the most was not the one with the most fans, but the one with just 2, intake & exhaust.
The physics problem here is well known: Air has a low viscosity, and as such, air flow through a fan enjoys Reynold's numbers far in excess of 4000 -- it's turbulent. When people show you the diagrams of cases with airflow lines, they're showing you what would happen if air underwent laminar flow in the case, which it doesn't.
You don't want to increase the turbulence in the case. A side fan does this, especially because it's blasting air at a flat surface: air to the right of the fan would get circulated between your two intake fans, and is essentially trapped in the case, becoming warmer, soaking heat from your hard drives and from your processor & ram. Then this pocket of air has to gradually follow the pressure gradient out of the case, quite as if there were no fans at all.
What you want is enough fan power to replace the air in your case at a decent rate, and no more. You would ideally have all the fans pointing horizontally across the case... think heatpipe tower HSFs instead of ones where you point a fan straight at the mobo. You also want to keep your case as free of internal obstructions as possible,
Of course, you can ignore my advice for the heatpipe tower HSFs. The fact of the matter is that the xp-120 is the best you've got, and for good OCing you'd need it.
But yeah, side fans are superfluous, and can hurt more than they help.
As far as ducts, I haven't heard whether they help or hurt. Theoretically, they'd do both: they'd render an intake fan useless by obstructing air flow, but they'd provide a direct route for cool air for cooling the CPU. And that's for you, Spike -- you want the duct so that air comes in from the side, cools the processor, and after that you decide not to care about it. The purpose of the side duct is not to fix high case temperatures; it's to make those high case temperatures not affect the CPU.