it's extra money for cooler, LOTS of time (fun time, admittedly!) to get the OC just right, and added stress on the chip. and the extra cooling makes extra noise, too! i just recently bought an i5 3550, asrock extreme4 mobo. i have dual-sli gtx 285. even on old 1333 ddr3 ram, my machine is so insanely fast that in all honesty i would be pandering to my pride if i got anything better
most importantly: the SSD! don't skimp there!