in an way yeah, i am more concearned over the longevity of a processor rather than the price. I just don't want to find myself in a position where i have to buy a new processor in a years time cos i baked the last one due to my own stupidity and i've never had a chip burn out on me, it would be a shame to start now. As i understood it though, or rather what i was told at OC, a majority of the games that were in the pipe line this year would be taking advantage of the multicore processors
You should be concerned over longevity, but trust me, unless you go in all gung ho changing things randomly, you cannot cook a CPU in less than a year. If you spend just 30 minutes searching, you can learn what temperatures and voltages that the CPU can cope with, and that's all you really need to know. As long as you don't pump too high volts through, you cannot easily kill a processor.
Modern CPU's can stand very high temperatures, I believe up to about 80-100 degrees C before you can actually damage it, and 100 C on normal temperatures is impossible. On load, maybe, but your CPU will never run at 100% load all the time.
Look at the people currently overclocking their i7's. Some people are getting around 3.8GHz on 60 C at full load. This is a very nice overclock, yet still well below tolerable temperatures.
It is true that a lot of games will utilize multiple cores soon, but that's all the more reason to overclock. Instead of buying a new CPU now, overclock you current one, so it will last another year or two, and get a possibly better CPU for cheaper, later.
If you still don't want to overclock, then I'll go with what rypt said. Wolfdale C2D now, C2Q/i7 later.