Speedfan is a little dodgy. For the $18 or whatever it is. a external fan controller is a great investment, especially when you buy those 100+cfm fans.
I would get the Sunbeam Rheobus which can be found on like SVC or Newegg for very cheap, if you were to get a fan controller.
But yeah, if you get SpeedFan working correctly, your stock cooler is going to cool poorly.. You're sort of screwed either way.. You could always invest in a cheap, quiet CPU heatsink too.