+=1 on the CM Hyper 212+. The stock coolers aren't that great - even if you don't overclock. The 212 will drop you down 10c degrees or more for a few $ more. Do it now rather than later so you don't have to mess with cleaning off the old paste, which is a chore.
For a $30 investment, the Hyper 212+ is well worth it over the stock. While the temps may be well withing specs, a 10 degree drop will make life much easier on the CPU. Will it make a difference over the long run? Perhaps not, most replace before the CPU fails. But what is the harm in erring on extra cooling? A Guy
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