I've been playing many games (L4D, COD4, L4D2, etc.) with, at least, double of my monitor's refresh rate for the last couple of years. For L4D and L4D2, anything under 150 is stuttering for me. COD4 was nice at 125 fps. It's just a matter of taste. But anything under 100 fps is slow for me.
And I don't know what that "image tearing" thing you're talking about means, because, even if it occured, I don't really see it, whereas I do notice the framerate drops, which hurt a lot more. The only games I can play with VSync ON are strategy games or Heroes of Newerth, for example.
You will notice the difference between 60 and more especially when looking around with your mouse. The higher the framerate, the smoother your camera will move. Also, it helps a lot for melee in cRPG.
TL|DR: my favourite framerate for cRPG is 120. If I increase it, it's never stable. Less is painful.