but I'm at 7.7 while doing mostly nothing
You don't need an extra cooler I think
especially not at that price
the stock one is designed to have the CPU run at its advertised speeds until the end of its days
if you only buy one 1x8gb of ram, you could pop in more once you have the extra cash
an SSD would be much more worth it I reckon
though simply dropping the GPU down a notch and getting a SSD would already be a nice choice
I have a GTX 640 and can comfortably play on my Korean 27" monitor
I also have an AMD 7950 but I should really sell that one :P