Is this worth the money?

I am about to order gigabyte p55m-ud2 for 95 from tigerdirect. However, what is stopping me from placing this order is that this is a matx board and that the there is no heatsink on the mosfet. I do not plan to overclock the i5 for now but will probably do so in the future.

My question is, is it worth spending 40-50 or more for a motherboard like gigabyte p55 ud3r or asus p7p55d. I need your help before I place my order. I am leaning toward the asus board as it look nicer.Thanks in advance!

BTW, this computer is be mainly use for general usage and very light gaming(maybe more intense gaming later when SC2 comes out). I just want a board that can last me very long time.