So, I'm at a cross-road with CPU on a new budget build... Please help

I really appreciate whoever takes the time to read and answer this. c:

For a while I've been revising a budget build that's going to be $650. The thing is though, there's two CPUs that I am having trouble deciding on because of the pros&cons.

Computer use in order from greatest to least: Chrome web-browsing with many tabs, YouTube, Gaming*, Office applications, watching movies & shows, Photoshop, multitasking between these programs, etc.

*Gaming: I've never been a PC gamer because I haven't been able to be one. I've gotten slight tastes of it, and I enjoy the little that I've experienced. The thing is though, I don't know how often I'd game on top of having school. In any case, when I do game, I would like fairly decent+ settings at 1920 x 1080 resolution, but I don't expect super-ulra-mega-amazing.

Here's the two builds that I need to decide on:

PCPartPicker part list / Price breakdown by merchant / Benchmarks

CPU: AMD Phenom II X4 965 Black 3.4GHz Quad-Core Processor ($89.99 @ Newegg)
CPU Cooler: Cooler Master Hyper 212 EVO 82.9 CFM Sleeve Bearing CPU Cooler ($27.98 @ NCIX US)
Motherboard: Asus M5A97 R2.0 ATX AM3+ Motherboard ($94.99 @ NCIX US)
Memory: G.Skill Ares Series 8GB (2 x 4GB) DDR3-1600 Memory ($39.99 @ Newegg)
Storage: Samsung 830 Series 128GB 2.5" Solid State Disk ($102.98 @ NCIX US)
Storage: Seagate Barracuda 1TB 3.5" 7200RPM Internal Hard Drive ($69.99 @ NCIX US)
Video Card: Sapphire Radeon HD 7770 1GB Video Card ($116.97 @ Newegg)
Case: Antec One Illusion ATX Mid Tower Case ($39.99 @ Newegg)
Power Supply: OCZ ModXStream Pro 600W 80 PLUS Certified ATX12V / EPS12V Power Supply ($43.98 @ NCIX US)
Optical Drive: Asus DRW-24B1ST/BLK/B/AS DVD/CD Writer ($19.99 @ Newegg)
Total: $646.85
(Prices include shipping, taxes, and discounts when available.)


PCPartPicker part list / Price breakdown by merchant / Benchmarks

CPU: Intel Core i5-3470 3.2GHz Quad-Core Processor ($190.39 @ NCIX US)
Motherboard: ASRock H77 Pro4/MVP ATX LGA1155 Motherboard ($87.55 @ Newegg)
Memory: G.Skill Ares Series 8GB (2 x 4GB) DDR3-1600 Memory ($39.99 @ Newegg)
Storage: Samsung Spinpoint F3 1TB 3.5" 7200RPM Internal Hard Drive ($88.98 @ Newegg)
Video Card: Sapphire Radeon HD 7770 1GB Video Card ($134.99 @ Newegg)
Case: Antec One Illusion ATX Mid Tower Case ($39.99 @ Newegg)
Power Supply: Corsair Builder 600W 80 PLUS Certified ATX12V Power Supply ($39.99 @ Newegg)
Optical Drive: LG GH24NS90 DVD/CD Writer ($17.99 @ Amazon)
Total: $639.87
(Prices include shipping, taxes, and discounts when available.)


With the AMD, I am able to afford the SSD. But do you think I should drop the SSD to buy the Intel CPU, and buy an SSD later? Is the Intel really worth it based on what my computer use will be? Or should I buy the AMD build in order to retain the SSD?

What's your thoughts, advice, and opinion?

Thank you very much for your time! I appreciate it. Have a great day.