Kind of pointless to nix the fan - someone may use all their CPU budget buying the K series processor with a view to getting a good cooling system LATER. Now, they have to factor a fan into the price regardless. This is just penny pinching by Intel and disappointingly cheap and nasty of them. [/quotemsg]
Then buy a cheap Rajintek Aidos, or a coolermaster TX3. If you are already spending that kind of money, on a system, and cannot afford to add at least a $20 cooler, then there is a problem. Hence why I rarely recommend overclocking, anymore. Costs too much when when budget is tight. I definitely do not suggest an overclocking Skylake build, over a Haswell one. The added performance, and features, I just do not think are worth the added cost. I would rather spend that money elsewhere. Looking at PCPP, there is nearly a $40 difference, between a 4690k and 6600k. Nearly a $60 gap between the 4790k, and the 6700k. Typically, for Z97, I recommend the MSI Z97 gaming 5. The Z170 version is almost $25 more. DDR4 ram is finally coming down in price, so I cannot make much of an argument there, as the price gap is not that bad.
The savings, for the 4690k, could easily buy a great cooler. The i7 savings is big enough to buy at least a Crucial 250gb SSD, if not a 850 evo, with the slight savings on memory.