I'm not sure what your future upgrade budget might look like, but the "risk for little performance" is just not true with current generation Intel CPUs. The rewards are huge, the risks are very minimal. If you are really nervous about it just make sure to get a board like an ASUS that comes with in windows software that holds your hand through the process. You don't have to jump to overclocking it right away either...watch some videos, read some articles, modern overclocking is really not that difficult. The one thing you will want to add before you start overclocking is an aftermarket CPU cooler like the super affordable Hyper 212+, but you can do this later if you wish as well. (just keep in mind that if you want to put it in later your case will need a hole behind the mobo tray for a bracket, or you will have to remove the mobo to install).
CPU, I would go with the 3570k
mobo, have a look at ASUS P8Z77-V LX, a fine board, though they have some that are more affordable as well.
IMO, if you don't take advantage of the really easily overclocked Intel CPUs of today you are wasting money, and the adventure that its building your own PC.