Ask HN: Do you overclock your personal computer?

I'm reading and watching hardware reviews as I'm planning to upgrade my PC. The youtube reviews keep bringing up overclocking, cooling methods and motherboards. You might think half PC owners do it. But I see relatively little overclocking discussion on HN, mostly like speedrunners, for sport. Such and such overclocked a new CPU or GPU to X or Y.

My impression is that for the trouble you get buying better coolers and motherboards and finding stable configurations by trial and error you may as well spend that extra money on a more powerful CPU or GPU and run it at stock speeds. You gain a couple of percent, and while your CPU might not die before you replace it it does increase power consumption (so: money) a lot. So, a sneaky option if you aren't the one paying the electricity bills. And your computer might crash more often. When I buy PC parts, I tend to stick to certain power ranges, for example 65W CPU. Also, not all faults are fatal for hardware and silent faults might cause data corruption.

Do you overclock any of your home computer components? What are your reasons?

Do any of you overclock workplace computers?