You only need an aftermarket cooler in order to overclock. The stock fan will work at stock speeds. You can do a mild overclock to 4.0-4.4 with the evo 212 no problem, and not greatly reduce the life. No point in getting a "K" Cpu if you're not going to overclock. No point in getting the noctua either, check out the reviews on the 212, if you're not even sure you're going to overclock, a 212 will be enough, and is half the price.
Instead of a buying a water cooler to allow your ram to fit, buy lower profile RAM instead. These
Seasonic makes the BEST PSUs, no questions (they actually make several higher-end PSUs for other companies (corsair AX for instance)). They have a very very strong reputation.
I'd go for the 840 Pro Series SSD by Samsung, were it me.