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"If you think about it for a bit, who buys these OEM components and uses them? Why the PC manufacturers of course! The only people who buy the full retail versions are regular consumers like you and me."
But remember that Dell for example, is getting NO warranty at all on the CPUs they buy from Intel. If they get a bad CPU from Intel, they eat the cost. But it works like this: Intel sells the CPUs to Dell at dirt cheap because they don't have to support it, or mess with it if it is defective. But Dell on the other hand, buys so many CPUs that it is far cheaper for them to eat the cost of a defective CPU once in awhile than it would be for them to pay higher prices for CPUs that have warranties.
Ultimately, the only reason NOT to buy OEM is you are a home builder is that the warranty is not as good. Example, OEM CPUs may come with NO warranty at all, or maybe only a 30 day warranty. If you are buying high volume, it is definately worth the risk to save money buying OEM, even if you have to eat the cost of 1 or 2 dead CPUs.
For an individual home buyer, you have to decide how much risk you want to take. For me personally, I think that PC parts are reliable enough these days, and the chance of getting a defective one so low, that I think it is worth saving the money.
So I say, buy OEM. Save yourself money. The chance of getting a defective part are pretty small.