Well, you might not experience any emi problems with it off, but your neighbors might, and you might without realizing it.
Definitely leave it on at stock speeds. When overclocking, find the max stable speed, then try turning spread spectrum back on, back down a little if necessary. 100mhz isn't what it used to be, when we were overclocking celeron 300a's to 464...
EMI is weird stuff, best if we all do our small part to keep it down...