Greetings
46c under what load?
Have you stress tested it?
"But what's stock temps?"........don't understand that line.....what is your question?
Wether you should overclock depends on a few things.
1: Do you understand the methods involved?
2: Do you have adequate cooling arrangements in place?
3: Do you actually have a need for added speed?
Elaborate some on what you have and what you want from it.
Edit.....ah, just found another post of yours.
ASUS P5K AiLifestyle Series
BFG 8800GT OC 512MB
Intel Core 2 Quad Q6600
OCZ 2GB Kit DDR2 800MHz
Scythe Ninja-PLUS
SataII 16 cache 250gb
Certainly it's a decent enough rig and could probably be ramped up some
but I would suggest you read up on (it if overclocking is new to you) before you make changes.
Seems it's a brand new build----enjoy it and get a feel for it first
P.S...I trust you bought a decent power supply?