@DoomMaster
Your Car vs. Locomotive logic is flawed as they are completely different things, built for completely different tasks. A FASTER CPU of the same type, on the same board, will do MORE WORK, period. A 28MHz 040 is faster than a 25MHz 040, period.
As for reliability, I'd suggest it's your system, as the PP&S fan is sufficient to cool the very slightly overclocked CPU. Clocking the board down could cause more problems because it was designed to run at a certain speed.