Please note that not all BIOSes are genius and so if your box hangs after underclocking or undvervolting (or over~) you will have to reset the BIOS/CMOS by jumper so it will forget the settings a go back to failsafe defaults.
Some errors will not happen during P.O.S.T. but later when the OS kicks in or if you just stress your CPU. Then you can enter your BIOS setup and regulate the setings back to a safe position.
more on topic: @ kbios
If you ever happen to have some spare money, that thing was 35 Euros, in case you live e.g. in the US it should be cheaper (all electronics is more expensive in Europe, don't ask me why).
Though the boxed coolers aren't that noisy, esp. when you put them to a regulated fan port so it will regulate fan speed according to the temp. sensors. And a phenom cooler should always have the capacity for Athlons.