If i understand u correctly: u need a normal 24/7 rig *now* and gaming only next year? Why not hit an IGP rig and hit a discrete later? HD 6K incoming as early as 19th of this month @@ Fermi's successor Kepler also in 2011
There are new GPUs coming out in weeks. There are new CPUs coming out the beginning of next year.
Batchka is suggesting you get a motherboard with onboard graphics (IGP/integrated) now so you have a usable computer and then buy a gaming graphics card (discrete) later. That doesnt make sense if you have a working PC now.
The i7-9XX series uses triple channel, the 3-8XX use dual channel. They're pretty much the same in terms of performance, but the tri-channel can go up to 24GB. The i5-7X0 series beat the equivalently clocked 9XX in games.