Shop around for that GTX, I think they are only 100-115$ more than the GTS 640, for gaming I do think the GTX is the best value, if your computer doesn't bottleneck it, you have an adequate PSU, and it fits your case.
If I had a brand new PC, with a Quad in it, I'd definately go GTX. I got a GTS 640 because this comp is in it's last upgrade cycle, and it will tide me over till the Octos come out.
What really sucks is when you buy something lesser to save a few bucks, and you are unhappy with it for the 2+ years you are keeping it for the sake of a 100$.
No math can justify a purchase if it is something you don't really want.
I truly believe that the MAJORITY of people on Toms get exactly what they want, and if it was a bit too $$$ they just wait a bit longer to purchase the next system, again, one that is thoroughly researched and exactly what they want. I mean, if you get a system that you want what is the big deal if you use it for 6 extra months because you paid a little bit more for it at the time?
I have an Opteron, a slow one, that is dual core. But I am happier than a pig in poop to use it for a LONG time, because I like an Opteron.
Nothing feels better than when you hand an old computer to a parent or a friend as a "hand me down" that you got TONS of use out of, to say, that computer was ALOT of fun, and it "owes me nothing".
People get to get a whole new platform so rarely now because the technology is stabilizing so much, if you are going to keep something for a few years make sure you love the case, the PSU, the proc., the RAM, the vCard.
This is a hobby btw, economics don't really count