Well,, speaking from experience,, Intel's stock heat sink and fans are actually pretty darn good out of the box and I have 2 PC's right now, using them that are 6 and 3 years old and only had Arctic Silver put in place of stock thermal pads and paste. Never have had a problem or had to redo it.
But, will add that if you are worried, then yes, for peace of mind, spend the extra, but probably isn't actually needed, if you use Arctic Silver.
Also keep in mind that it is possible to replace a perfectly good stock heatsink and fan with a crappy one.