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Money is still an issue. It you must have the processor now you can choose a cheaper CPU and when you get some extra money down the line you can invest in some proper cooling and OC it later. You also have to consider that if you CAN overclock, wouldn't you end up spending an equal amount of money on cooling when you inevitability end up OCing the better processor thus making it the more expensive of the two again?
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“It is better to be rich and healthy than poor and sick” - Dave Barry
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