Yeah, thats true, the stock fan would be fine for standard use, and on AMD's, the temperatures are usually pretty low anyway.
If you did want to overclock, then you probably would need another heatsink/fan though the 3000+ has been known to overclock well with the one that comes with it (stock)
You've been busy researching haven't you
and you've got it right, Intel is known for multitasking with its Hyper Threading or HT technology (not to be confused with AMD'S HT), AND Hyper Transport, yeah, is for faster processing and so performance
I hope this helps