Well it does pay off if you don't overdo it and burn your CPU or motherboard... it will not matter if the software/game you are running already has acceptable frame-rate... say if you have a "target" of 30fps at any time while playing this sim and default CPU clock gives you 25fps and you know for sure it's the CPU being the bottleneck and limiting you frame-rate and you are able to overclock CPU by 20% you will achieve your 30FPS target.
If you are getting 30+ you don't need to do it as it defeats the purpose of being able to run faster then what you need.
And why it pays off... because to get that 20% faster clocked CPU you'd normally buy more expensive CPU... by overclocking you achieve the same at must lesser cost (you will still need to get better CPU cooling). So you take the benefit into one hand (you get CPU with more calculations per second hence faster frame-rate) and less paying for the same effect by buying lot more expensive CPU. If this is still unclear then I don't know what else to add... to some it's just personal preference... some love to push their hardware to the limit and most are scared to do it because they've never done it and are not so much into knowing how and why the PC works etc and just want to play their game.
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