990FX

Xaltar definitely has a point. If you are willing to buy used, you'll have access to better performance for the same amount of money. New or used, just make sure you have some idea of what sort of GPU fits your needs and your current hardware (power consumption, required power cables, the amount of memory the GPU has, the physical size of the GPU etc.). 

Apologies for the delayed answer.

1. Having your fans on auto is fine and probably explains the temperature being similar in Prime95 and web browsing and doing other stuff. While your CPU cooler seems to be more than enough to cool the CPU at your current settings, please remember that you should also monitor the socket temperature, which is probably a bit higher.

2. Using the BIOS OC is probably fine when using the 5% setting. There's no guarantee that it's stable, but there's a reasonable chance it is - and you can check it using Prime95 and RealBench. Is it worth using? That depends on what the settings actually are. Sometimes those BIOS OC settings set the RAM to very low speeds - probably in an effort to make life easier for the memory controller - which may not be what you want if you are doing some of the (few) things that RAM speeds actually has an effect on.

Based on what you've told, I'd skip using AMD Overdrive altogether and run the CPU on stock BIOS settings apart from the core unlock feature. Those two extra cores should already give you a nice performance boost for video editing and in gaming your CPU is not really a bottleneck at the moment. If at some point it starts to feel like you'd like to get even more out of your CPU, you can then look into overclocking in more detail. Start with the link to Dolk's guide I provided earlier and just google anything you'd like to know more about. You can of course try the BIOS OC settings as well, as something higher than 5% may also work (remember to test for stability). Just remember that if you decide to overclock, you should be willing to put some time into it, even if you're not trying to push your system to the limit. Slow and steady will give you the best chance of ensuring stability.

P.S. If you want to upgrade your GPU on a budget of 100$ or less, I'd consider getting an AMD Radeon R7 250X or an NVIDIA GT 740. There are different versions of each from different manufacturers (with varying prices), so you should spend some time looking at reviews, youtube videos and comparing specs so that you'll know what you're getting. Availability may also be an issue. In general the R7 250X should be better for gaming while the GT 740 will consume less power.

I think what I've done is pretty much just open 2 extra cores, removed the overclocking and the BIOs are all set to auto control the voltage. I've been getting frustrated with the disk error startup, was able to find a BIOs update that was directed toward the M.2 harddrive, thats where I put my OS, I'm hoping that is dealt with, then I may get back to OC, or may just abandon that all together, it's not necessary. 

I ran it a few hours trouble free, no more heat than regular web surfing, I dropped the BIOs OC and increased it using AMD catalyst, I did keep the core unlocker up tho. BTW this is my chip. http://www.newegg.com/Product/Product.aspx?Item=N82E16819103995

Does the BIOS give you the option to increase the multiplier for the CPU clock speed directly? If not, then you don't have a BE. It's not a big issue, just makes overclocking a bit more involved. What you will be doing is increasing the FSB clock speed while decreasing the multipliers for CPU, CPU-NB and HT. Which multipliers and when depends on which way you want to go first. CPU clock speed is king, and the other clock speeds can be considered secondary, but for example Dolk leaves the CPU clock speed last, if I remember correctly. But before we start:

Your motherboard's VRM section should be able to handle some overclocking without extra cooling. It has a nice looking heat sink (the one that says Killer) and it's advertised as having 8+2 phases, although it may be that it's just a doubled 4+1. However, I've no idea how large a margin you have in reality, so I'd still consider even 10% a risk. It's advisable to use a smaller spot fan to provide airflow over the VRM heatsink - the more you OC, the hotter it will become. In fact, your VRM section may be running hotter than normal already. Your CPU had a TDP of 125 W to begin with and the fact that you have unlocked two extra cores means that may have gone past that (although the X6 has the same TDP). I'm assuming your larger coolermaster setup for the CPU is a tower cooler. This may be fine for the CPU itself, but it's also one more reason you need to consider extra cooling for the VRM section.

Considering the temperatures, there are two you need to monitor: The CPU temperature listed under the CPU in HWMonitor (sometimes labeled "package") and the CPU socket temperature listed under the motherboard in HWMonitor (usually labeled CPUTIN). For the Thuban generation of Phenoms, the CPU temperature should not exceed ~62 C, while the CPU socket should be okay as long as it stays below  ~70 C. The 40 C you have seen may be a good value or a bad value, depending on what you were doing on the computer when it occured.

By the way, disk corruption can occur if you have an unstable overclock. It can also happen slowly over time, even if your computer is stable enough not to crash. This is why it's a good idea to stress test the system properly when overclocking, although it should be said that stress testing isn't very kind on your system and can be harmful in itself - especially if you don't take your time when overclocking. I don't know if your previous overclock is the cause for the disk corruption, but you should be aware that something like this - or worse - can be the result when you overclock.

You should begin your overclocking by establishing a baseline for your system. Start with stock settings (keep the two extra cores unlocked, though), run HWMonitor and then run Prime95's Blend test on six workers. Keep an eye on the two temperatures I mentioned. If either one gets close to the figures I've stated, stop all workers immediately and report back. If this happens, there's an issue with your system's cooling. If the temperatures seem to level out at safe values, let the test run for at least a couple of hours. If everything runs great, make a note of the temperatures and post them here. If you lose any workers due to an error before two hours are up, you're not providing the CPU enough voltage. This is something I'm actually half expecting to happen. That X4 CPU of yours is basically a Thuban generation X6 that has failed AMD's tests, so it may be that all six cores won't work as well as they should on stock voltages.

In short:

1. Understand the risks.
2. Don't forget the OC affects other components as well, especially the VRM on your motherboard.
3. Determine a baseline before you start.