well it does reach 40C here but fans should be fin for no OC they should be fine for sum OC's aswell but u'll need a few like 4+ and a nice cpu and gpu fan
If your not going to overclock, then there's no point in getting a high end kit. If you want cooler temperatures, and less noise, then a low price kit isn't too bad, but your still looking at around £100 UK Sterling.