I think it is poor strategy to plan a new build on sli.
Here is my canned rant on planning for dual cards:
-----------------------------Start of rant----------------------------------------------------
Dual graphics cards vs. a good single card.
a) How good do you really need to be?
A single GTX750t1 or R7-265 can give you decent performance at 1920 x 1200 in many games.
Yes, you may need to be satisfied with less than high settings.
A single GTX970 or R9-390X will give you excellent performance at 1920 x 1200 in most games.
Even 2560 x 1600 will be OK with lowered detail.
A single GTX980ti is about as good as it gets for a single card.
If you are looking at triple monitor gaming, or a 4k monitor, sli/cf will be needed for excellent frame rates.
A single GTX980ti or Furyx will give good frame rates in many games.
Next year, it looks like single card performance will go up by 50%
b) The support costs for a single card are lower.
You require a less expensive motherboard; no need for sli/cf or multiple pci-e slots.
Even a ITX motherboard will do.
Your psu costs are less.
A card as good as a R9-FURY or a GTX980ti will need only a 620w psu.
When you add another card to the mix, plan on adding 200w to your psu requirements.
75w for the slot, 75w for an extra 6 pin connector or possibly more.
Here is a chart:
http://www.realhardtechx.com/index_archivos/Page362.htm
Case cooling becomes more of an issue with dual cards.
That means a larger and possibly expensive case with more and stronger fans.
You will also look at more noise.
c) Dual gpu's do not always render their half of the display in sync, causing microstuttering or screen tearing. It is an annoying effect.
The benefit of higher benchmark fps can be offset, particularly with lower tier cards.
Read this:
http://www.tomshardware.com/reviews/radeon-geforce-stutter-crossfire,2995.html
d) dual gpu support is dependent on the driver. Not all games can benefit from dual cards.
e) dual cards up front reduces your option to get another card for an upgrade. Not that I suggest you plan for that.
It will often be the case that replacing your current card with a newer gen card will offer a better upgrade path.
-------------------------------End of rant-----------------------------------------------------------
On GTX970, 3.5 vs 4gb vram fud:
Nvidia engineers opted to use 3,5gb fast vram and 0,5 gb slow vram fto meet a price/performance objective.
Actually, I think it was a clever innovation of implementing a vram hierarchy.
The only real objection might have been advertising implying that all rvram was fast.
VRAM has become a marketing issue.
My understanding is that vram is more of a performance issue than a functional issue.
A game needs to have most of the data in vram that it uses most of the time.
Somewhat like real ram.
If a game needs something not in vram, it needs to get it across the pcie boundary
hopefully from real ram and hopefully not from a hard drive.
It is not informative to know to what level the available vram is filled.
Possibly much of what is there is not needed.
What is not known is the rate of vram exchange.
Vram is managed by the Graphics card driver, so there may be differences in effectiveness between amd and nvidia cards.
Here is an older performance test comparing 2gb with 4gb vram.
http://www.pugetsystems.com/labs/articles/Video-Card-Performance-2GB-vs-4GB-Memory-154/
Spoiler... not a significant difference.
And... no game maker wants to limit their market by
requiring huge amounts of vram. The vram you see will be appropriate to the particular card.
My suggestion:
Since GTX960 is what your budget permits, go with that,
Do buy a quality psu in the 600-650w range which will permit a future gpu upgrade to a graphics card as good as a GTX980ti, or a future Pascal card.
When the time comes for more graphics horsepower, sell the GTX960 in favor of a significantly better card.
And... if you today forgo the extra costs of preparing for sli, you may well be able to justify a GTX970 in the first place.