DeathAndPain :
These, well, precautions for possible future overclocking will cost him a huge chunk of money, for a feature that he does not want to use now and possibly will not want ever to use. The $100 for the voluptuous cooler alone could be directly spent into better CPU or graphics card. Same goes for the other unnecessary investments.
Overclocking is not free. Not with Intel. That is why overclocking has lost its point.
Everything have its price.
When his cooling solution arrives, he might even start overclocking there, who knows, he might not even overclock at all.
He might already found the GPU for him, and might not see the reason to spend more money on that.
The same goes for SSD, why even bother, when you in the end always can upgrade one or another part.
Some prefer having a silence cooler, some prefer having a cooler cooling solution. For that it have it's price.
I would rather not speak for OP, as we all have different perspective on things.