For the fans, I have 4 in the fronts doing intake, 2 on the top and 2 on the back doing exhaust. There is no fan on the Ninja (although I have one for it if I so choose). All the fans are the same kind--Yate Loon 120mm--so it should be a fairly uniform airflow taking cool air across the motherboard and then either out the back or out the top.
I suspected that the ambient was something of a problem, but it's good to know that the temps aren't a problem in terms of spec. As for overclocking, I'd only be doing it because I could.

I just get a kick out of pushing the system a little, although I am sorely lacking in AMD overclocking knowledge (the HTT/FSB thing, the RAM dividers, etc).