Looks fine to me. My only question would be, you've got an overclockable K chip and Zxx mobo. Are you planning on overclocking? If you are then you'll want an aftermarket CPU cooler; if you aren't, you could save some cash on the CPU and mobo.
does the build need a cooler now or why you think i should get now and not later?
Why not get full power now rather than having to remove all parts, clean them and re-install later? The more you mess with your motherboard the more likely you are to cause damage, plus it'll all be within warranty.
mainly my budget just gets bigger and bigger and didn't want to spend the money just now. Well as its going to be a couple of years before i overclock hopefully, what i can get for £25 or so then will be alot better than what i get now? there's not much risk of damage is there.. It is my first build though, It really worth getting now?