not sure how to reply to this....
erm stock cooler will keep it cool at 4.0ghz thats not the greatest thing to say about an aftermarket cooler which costs you twenty quid plus extra.
he might not want to overclock right now but from him/her choosing a k chip this means he probably will overclock in future, when he /she is more confident in doing so or needs the extra performance.
I'm all for trying to squeeze best build in tight a budget but for £2 extra out of a £1300 build get hyper 212+
anyways op has changed to hyper 212+ so erm.. yeah maybe not most useful of posts, didn't see the edit! : P