You can hit a reasonable OC with the stock cooler so the cooler purchase requirement point is an invalid one.
A reasonable overclock yes, but not high overclock to like 3.7-3.8GHz (which people need around 1.45-1.50 vcore) which is necessary to match the speed of i3 2100 in games.
And you are missing the point I was making. There's no reason people should
build a new system based on AM3 with Phenom II X4 955/965BE
NOW over a i3 2100, when:
a) build cost around the same for both
b) only deliver simliar frame rate when overclocked to 3.7GHz and in games that use four cores fully, but slower in games and general applications that don't
c) roughly twice the amount of power (TDP 140W at 3.7GHz vs TDP 65W)
d) hotter running (most people wouldn't even consider running Phenom II X4 at 3.7GHz or above with stock cooler)
e) the 1155 (P67/Z68) platform being more future proof and can upgrade to i5 2500K later, whereas the AM3 board is a deadend...and for the ones that's exception and are said to be able to "support" Bulldozer in the future, the overclock would most likely be rubbish on the old chipset board.
If you can provide a list of reasons why it would be better to get a Phenom II X4 build over a i3 2100 for someone who only use it for gaming and general usage, I would love to see it...
And regarding the Quad-core vs dual-core, I'll give you another example. When I play on Global Agenda, in areas there are not a lot of things my GPU would be at 99% usage and hitting 80-110fps, but when at demanding scenes with lots of things happening in open area, my frame rate would drop to as low as 23fps and
with the GPU usage dropping from 99% down to 70%. This is clearly a CPU bottleneck...but why is it the case? Because the game only uses around 2-3cores. If I had a i3 2100, it would be able the same (higher in fact) power as all 4 cores of my Q6600 at 3.6GHz but over the two cores, so it will not be suffer at the hands of the lack of the game's support for the 4th core, and my GPU usage would most likely be able to hit 90-99% instead of the 70%, and getting higher frame rate as a result.
Extra cores is useless for games that doesn't make use of it, it is as simple as that.