OK, I see what direction you are coming from now.
For no OC, then yes, I'd just go with a non-K chip. the added cost of the "T" or "S" chips is more than the power savings will give you.
For gaming, I feel the 3570k is fine with a single GPU, but add in a second, and you need to OC to get good performance, 4.4 GHz or so, and with 2600K, for example, you'd need 4.6 or so. If you play BF3, it seems to love high CPU speed. Other games are not as sensitive to CPU performance, unless you play games like Shogun2, or similar.
I test all motherboards with chips at 4.6 GHz. I have both a 3770K and a 3570k that will do those clocks. I have been running a multitude of tests since these chips launched, and you are kind of right, only certain scenarios show any benefit from OC.
That said, I'd get a "K" chip, so that in the future, should you want a bit more power, than you can increase clocks.
Non-K chip, you can only OC the multi up by 4 steps only.
In the same breath...an new FX AMD chip (fx-8350)would serve you just as well.
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