I've never overclocked anything and I've never felt I've missed out in any way. I really can't imagine spending even one minute trying to squeeze 5% or whatnot tweaking voltages and dealing with plumbing and roaring fans. I want to use the machine, not hotrod it.
I would rather Intel et al. leave a few percent "on the table" and sell things that work, for years on end without failure and without a lot of care and feeding. Lately it looks like a crapshoot trying to identify components that don't kill themselves.
Well, that's the issue, isn't it? Both Intel and AMD (resp. their board partners) had issues in recent times stemming from the increasingly aggressive push to the limit for those last few %.
This is about sane, stable defaults. If you want the extra performance far beyond the CPUs sweet-spot it should be made explicit you're forfeiting the stability headrooms.
For example, various brands of motherboards are / were known to basically blow up AMD CPUs when using AMP/XMP, with the root cause being that they jacked an uncore rail way up. Many people claimed they did this to improve stability, but overclockers now that that rail has a sweet spot for stability and they went way beyond it (so much so that the actual silicon failed and burned a hole in itself with some low-ish probability).
That sounds terrible.