I have built my own computer one year ago and modified and upgraded another one recently.
[ size=14pt]It was because the fan failed, not the CPU! It runs below 40° C on a 24/7 basis. Anything above 60° C is not good.[/size]
A desktop computer is not the same as a server class computer. You see in a server class computer, you have redundancies not only in power supplies but in cooling as well. So say one fan packs up, there is another there ready to take over the cooling load. You simply cannot compare a desktop to a server. Stop comparing a desktop to a server!
Take one of my 1950s for example,
See the multiple hot swap fan packs? If one of those fail, the cpu will still have sufficient cooling, it'll also alert me so I can pop in a new one. No overheating. If all of them failed at once, and the cpu did get hot, I would get a critical warning and have time to sort everything out, it wouldn't just die.
It is also important to make sure no dust gets in, or at least clean it regularly.
Who uses those anymore? It's not 2006.
Mainly budget, you can pick one of these up in excellent condition for like £70 including rails
They're still pretty good for my visualization needs, I have two E5345s in it and it's still going strong