In the SGI slang, the word "Overlay" just means "update".
Overlays are only available for IRIX 6.5.x, and you cannot update
a pre-6.5 installation to 6.5.x, even not by trying to install
the overlays.
You can download overlays directly from SGIs
website, but beware that you won't get the newest version
unless you have a support contract. Also note that if you download
overlays, you cannot create a bootable CD without some big efforts.
But you can still use the downloaded version for updating a working
IRIX 6.5.x system or you can even use the downloaded version for
booting over a network.