Newbie with Questions

[hithere_1975]

This will be the first computer I have built, and there is still a lot to learn! My laptop just isn’t cutting it anymore, so I plan to downgrade that operating system and get a desktop for most everything else.
I primarily surf, watch movies, and use it for office applications. Though, I’m an avid Civilization player, and the new one is coming at the end of the month, and I want to experience it in all of its glory. So, I’m looking to make a balanced desktop that can smoothly play something like Civ 5 (hopefully, for years to come). I have a 27 inch 1080p monitor I’ll be using for quite some time.
I think I understand the basic concept of overclocking, and I may give it a try. Though, if the system I get is plenty fast, I may wait a bit and then try my hand at it in a year or so. I’m looking at the following system. I’m just wondering if this seems like overkill, if the hard drive is too loud, if there’s something incompatible, if I would kick myself for not implementing X motherboard instead of Y motherboard because of upgrade technology, etc.
I chose a Micro ATX motherboard because I just like the idea of a smaller sized case. The prices are from newegg, and I just typed in what the final price would be, after the rebate. There’s maybe 19 dollars total in shipping with these items, so in total, it’s around $950.00:
LITE-ON 24X DVD Writer Black SATA Model iHAS424-98 LightScribe
Item #: N82E16827106335
$23.99

NZXT Crafted Series Vulcan Black Steel / Plastic Gaming mATX
Computer Case
Item #: N82E16811146065
$69.99

Recertified: HITACHI Deskstar 7K500 HDT725032VLA380 (0A32161)
320GB 7200 RPM SATA 3.0Gb/s 3.5" Internal Hard Drive -Bare Drive
Item #: N82E16822145342
$34.99

GIGABYTE GA-880GMA-UD2H AM3 AMD 880G SATA 6Gb/s USB 3.0
HDMI Micro ATX AMD Motherboard
Item #: N82E16813128445
$99.99

Palit NE5X460SF1102 GeForce GTX 460 (Fermi) Sonic 1GB 256-bit
GDDR5 PCI Express 2.0 x16 HDCP Ready SLI Support Video Card
Item #: N82E16814261075
198.99

Tuniq Potency PSU-POT650-BK 650W ATX12V / EPS12V SLI Ready
CrossFire Ready 80 PLUS Certified Active PFC Power Supply
Item #: N82E16817611007
$39.99

CORSAIR XMS3 4GB (2 x 2GB) 240-Pin DDR3 SDRAM DDR3 1600 (PC3
12800) Desktop Memory Model CMX4GX3M2A1600C9
Item #: N82E16820145260
$79.99

AMD Phenom II X4 965 Black Edition Deneb 3.4GHz Socket AM3 125W
Quad-Core Processor HDZ965FBGMBOX
Item #: N82E16819103727
$164.99

LITE-ON Black 4X Blu-ray Disc Reader SATA Model iHOS104-08
Item #: N82E16827106326
$64.99

OCZ Agility 2 OCZSSD2-2AGTE60G 2.5" 60GB SATA II MLC Internal
Solid State Drive (SSD)
Item #: N82E16820227542
$139.00

There are two components in particular I might wait on/change. The SSD drive and/or the CPU. I might elect to go with just one HDD drive, for now, and save the 140.00, and right now I have the AMD Phenom II X4 965 Black Edition Deneb 3.4GHz, but I might change that to the Athlon II X4 635, at $99.00. I do want Quad Core, though.
I just don’t know if the higher version is worth the cost. So what do you guys think? Is this overkill? Am I going to regret spending too much on the CPU for what I get (i.e., that it’s just not going to be that much of a difference)? Thanks!

 

[hunter315]

Wait on the SSD, get a good hard drive like a 500GB or 1TB samsung F3 rather than an older slower 320GB drive.

Switching to the Athlon II X4 635 wont hurt you much, and certainly wont cause an issue for something like civilizations so do that to save a bit on the budget.

I would pay a bit more for a quality PSU like a seasonic S12II, the 3 year warranty on that Tuniq isnt inspiring since most good units come with a 5 year warranty.

 

[dndhatcher]

When I saw a PSU of that high of a wattage for that low of a price I thought - its either the best deal ever or the biggest piece of junk PSU ever. Id be afraid without seeing a professional review checking the voltage and internal components.