Lots of members here would gladly help OC and reach you while enjoying a bud and beer LoL
Jokes aside, you only need i7 if you do programs that will utilize the extra 4 threads which 80% of the programs out there don't in our market atleast
You will notice bare to no increase if you game with i5 or i7
The msi cooler will be louder and noticeable even on idle, I'm very picky person so I have lots of emphasis on quiet
But take your time do research and ask around or just us
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