AmeedMv :
Well, you can always throw in a cooler later on.
Cooler Master Hyper 212 Evo RR-212E-20PK-R2 is one of the best coolers on the market and costs only $20. On the case of OC, its not more about OC, its about expand-ability.
I see that the
Gigabyte GA-H81M-H has no USB 3.0 headers, SLI or CrossFire support, no RAID capability and only sports 2 RAM speeds with only 2 slots. Where as the
Asus Z97-A ATX LGA1150 has all the aforementioned features plus more RAM speeds if you're looking for an upgrade and has 4 slots.
I suggested a motherboard that anyone can use for the next 2 years easily without the motherboard needing to be upgraded. It's worth the money and time.
Yes Evo 212 is a great air cooler for the money. I use it myself in 2 PCs and absolutely love them however, it´s totally beside the point.
Overclocking has nothing to do with expand-ability. The gains you will get from overclocking CPU is so little, that it´s more of a hobby or for those that absolutely want to push it to the limits. It doesn´t make sense if you want good price/performance ratio.
The cost for a more expensive core, a more expensive motherboard, a cpu cooler and possibly a larger PSU all adds up.
H81M-H is a great budget gaming board.
No it doesn´t provide USB 3.0 (how often do you really use USB and is the more costlier board perhaps 30 seconds 1 time every 2 months you do transfer files from a USB stick?). It´s not like the board doesn´t have any USB ports..
Yes it only comes with 2 ram slots. Do you need more for gaming? Absolutely no!
No it doesn´t support SLI/crossfire, but we´re not going for such a build either, and I generally don´t recommend it either. If we were going to future dualcard setup, we´d be looking at a bigger PSU, bigger cabinet with extra fanport and definetely not R9 390X that is tripple slot (imagine that in crossfire).
The motherboard I recommend is easily worth 2 years and possibly 4-5 as well. And even if you wanted to replace it on a later point - then you won´t have buyers remorse, when you only spent $33 dollars and it served you well for a the last 1-2 years already.
Bottomline is that my recommendation gives the OP virtually same gaming power as your suggestion which is $300 more expensive. I am getting the impression that you don´t want to help the OP, but rather just win a contest of "who is right, and who is wrong".
$300 saved, could mean an awesome monitor or headphone addition, that OP normally wouldn´t be able to afford. It would just translate into a more meaningful way of spending money.