If you are not OCing you should skip on the z97 part altogether. It comes down to h81 vs h97 mainly, with h97 having more features than the h81. If you don't need them you should go for the h81. What h97 has for example is SLI or crossfire support, 4 DIMMs instead of 2, more SATAs, more USBs, better audio codec. However those features are useless for a lot of people. I for example have an every day use computer which doesn't need any of the features that's why I have went for the lowest end chipset.