I've got 5 fans, plus, a very noisy 6800GT graphics card fan >:( , also, a very noisy CPU fan.
In fact, I call my pc "the jet engine", not due to its speed alas, its noise. :-[ ::)
However, even with an overclocked FSB of 230 (instead of 200) I get a steady 32deg c on my A64 3000+ :)

Good airflow is essential (with the exception of my
Old Intel Celeron ) my front fans are intake, the rears exhaust, I have a fan on the side of my case, just above the Graphics card, plus the cooler & fan on the 6800GT isn't standard, and is in fact, from a 6800Ultra!
A mate of mine, however, has a better idea......
His aged p4 2.8 is running, happily, overclocked to 3.8ghz with a standard Intel fan and heatsink !!! - How in hell is this possible I hear you ask?
He went to a boot sale, bought a small refrigerator, threw away the shelves from the inside & thats where his PC resides! - along with his supply of milk & beer! ;D the power & keyboard cables are threaded through a hole drilled through the side! ;D
You can hear the slight hum of the fridge, not a peep from the PC, he's had that setup for a good 8months now! :o
And his beer is always cool. ;)

Posting drivel here since Jan 31st, 2002. - That long!
"He who laughs last, thinks slowest."