It's never a bad idea to get one, but it isn't really mandatory if you aren't overclocking. Given the OP's experience level I assumed this would not be the case. Also, I wouldn't recommend it anyway. It will increase the operating temperature and decrease the life of the CPU for little to no gaming performance gain. Overclocking this GPU, however, is certainly something you want to do. The MSI Afterburner program that comes with it is as easy as moving a couple sliders and the card itself is a beast in this respect. I have the same one in my PC and I run a ~35% OC on it and still never see temps above 60°C.
Also, forgot to mention last night, I do live in the Philly area (Downingtown to be specific), so if you are completely stuck and not too far away I could lend a hand.