Exactly...
Also, if you don't know what your doing, the split second you turn on the computer, bam, frys'.. That's if your sending WAY too much current, and overclocking your cpu too much (like the FSB & multiplier. HOWEVER. Most of the processors today ARE harder to fry like said. The thing that would go first, and cause your system to crash, is memory, and the rest of the affected parts. When you overclock the FSB, your also overclocking the AGP slot, PCIE if you have it, Memory, the regular PCI, and everything else. That's where you get more of your performance boosts. You'll get a small amount of performance, from the actual processor, but most of the time, it might bottleneck, and still not run the fastest. You can't add a mass amount of HP without better tires right? you'll just sit there spinning your tires, and not going too far.... Anyways, if you use the FSB to overclock, MAKE sure your memory can handle it. One way to keep stability, is loosen your timings on your memory (basically underclock your memory, and then over clock the FSB). Use both if your board can use it (multiplier & fsb). Don't go too much at a time, do one unit, test, make sure stable, and up it up a notch. My pentium d 930 is overclocked to 3.8ghz right now, and runs stable with corsair ddr2 xms platinum sticks.
So all in all, check the speed of your memory & fsb, check the bios if you can safely overclock both the multiplier & fsb. If you only can overclock one or the other, then do it in small amounts. 10x200 = 2000, 11x200 = 2200 (2.2) now if you use the FSB, and stay at 10, you can make a smaller jump, and easier/more stabilty (cause you don't know exactly if "2200" clock speed is the exact speed you would 'crap' out at, it could be at 2.19, but you can take it to 2.15 in example). Say you leave it at 10, and up the FSB to 210, you'll end up with 2100 (2.1), instead of jumping to 2.2 with the multiplier. You have more control over how much, you could do, 10x206 if you wanted to, and get 2.06ghz. Or take 11x205 and get 2205, without crapping out the RAM itself, or other components. It is always best to if you can, use both to overclock, and not just one.