Because the OEM then assumes responsibility for the warranty. iF THE cpu fails, the end user claims from the OEM. The OEM then claims from Intel, under whatever terms the CPU was supplied. If you build the machine using OEM paqrts, and it fails, you as the end user claim off you as the OEM, who then claims from Intel under the terms that the CPU was sold to you. OEM components are cheaper than retail - that is one of the reasons.
A retail package sold to the end user contains a cooler and thermal compound of known properties, which if installed iaw the instructions will provide adequate cooling for the CPU under standard operating conditions and Intel provides warranty under those conditions. Intel has no control over any third party installation - so won't gurantee it (however, see clunk's link above)
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tbh it pretty blate that that would be intels responce sinse they cannot be sure that the 3rd party cooler will work nor can they do same for overclock.
it isnt a major problem nor issue.
if you buy parts then wish to custom/change them you do at own risk, this why you can buy from prebuild systems ect.
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