I use a Targus laptop cooler. It generally lets my hard drive and processor run about 10-15 degrees cooler than without. More importantly for me, it keeps the keyboard surface of the computer much cooler. Prior to using it, my wrists would end up sweating. Not a problem with.
The cooler I am using is 6 year old and still works fine. It was about $15 when I got it.
In my experience, well worth it. My laptop is an older Pentium 4 based unit. Even with clean heat-sinks and good fans, it runs about 130-135 degrees under normal operationg. With the cooler it's about 120 degrees. Hard drive runs at about 100 with no cooler, 90 or less with cooler.