Again, I am going to back Lazereth up on this one and recommend that you go with what he said.
I'm also not a fan of overclocking your system (your video card however, I'm on the other side of the fence on), because other than benchmarks you typically don't see a difference in speed.
However, I would like to ask why you didn't go with a 754-pin athlon 64. When I went for my last system purchase, I almost got the 939-pin, but decided the difference in price would better be spent on a better video card. Somebody is bound to scream "but what about the upgradability", and to them I pre-reply: When do you replace just the processor to upgrade your system? With the speeds nowdays, there is only a small difference between the minimum processor compatible with that motherboard, and the maximum. Sure, they might come out with some really sweet 939-pin Athlon 64's, but they will probably want to run at a higher FSB, and so, would need a new motherboard.
Well, that's my opinion, so take it as you want it.
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