You do not need to overclock.
If you think after a time that more cpu power would help, it is easy enough to do.
I suspect you will do well enough without it.
Most likely your graphics card will be the limiting factor.
Even without overclocking, I would buy a $30 cm hyper212 cooler.
The 120mm fan will be quieter under load.
A plus is that it will give you sufficient cooling for conservative overclocking.
Much is made of cpu cooling.
I think they have it wrong.
Overclocking forces higher cpu vcore voltages.
As vcore goes up, heat is generated that needs to be extracted.
Once you get to a vcore of 1.25-1.30 two things happen.
1. Temperatures rise rapidly that need to be cooled.
A top cooler will do that.
2. The real problem is that such high vcores are not good for 24/7 operation and the longevity of your cpu chip.
I know that H97 motherboards may have overclocking potential unlocked by motherboard vendors. Even if intel does not support it.
But, a Z97 motherboard will be about $20 more and I recommend that to insure that you will not have any issues in the future. I think $20 is a good insurance payment.
Here is one for $99
http://www.newegg.com/Product/Product.aspx?Item=N82E16813157521
The anniversary edition is a stripped down version which sells for $75 after rebate, but I wonder if too many corners have been cut.
http://www.newegg.com/Product/Product.aspx?Item=N82E16813157529