[gars]

I doubt you'll notice much of a difference between 4GB and 8GB, UNLESS you actually leave a million things open - like game WITH a browser open with a lot of tabs, plus a whole bunch of other programs running in the background. Even then, it's not that big an issue. I only have 4GB, and it's still fine - not as noticeable a difference as an SSD.

I actually run 2 x 60GB SSD's in Raid 0, things open so quickly - especially PS and LR.

and honestly, overclocking on modern Intel chips is so easy, it's not even funny. You don't need a watercooled system - all you need is a half decent cooler. Look up some settings, and it'll take you 15 minutes to get a decent OC.