amuffin :
Here's some reason why you should always buy the K version.
Every 18 months intel releases new processors, this puts your processor X% slower.
That would be a wonky reason, your existing CPU is not getting any slower and not everyone feels an urge to try keeping up with the latest and greatest all the time.
I'm still perfectly fine with my E8400 running at stock 3GHz, the only times I overclocked it was for burn-in testing the CPU @ 3.5GHz and RAM @ ~440MHz.
The only reason I might pick the 3570k is that it is currently only $20 more expensive than the cheapest i5-3xxx available at my local computer store.
To OP: Since you do not want to overclock (the only major benefit of K-chips), you will be perfectly fine with non-K models. Also, if you do not plan to ever want to do SLI/Crossfire, you can step down to h77 chipset boards to shave another ~$30 off the motherboard price. If you do not want to use Intel's SSD cache technologies either, you can take yet another step down to b77 chipset to save another $10-20.