I have been researching for a little while now and have possibly narrowed the field to 4 cpu choices (unless you all add more
. These choices should based upon a Non-gamer platform that instead needs multitasking capabilities with some minor video editing and Photoshop with the capability to run multiple monitors. I do have a holdover GPU from last system that works fine with my current set up 1024MB ATI AMD Radeon HD 7700 Series (MSI). I do also have 8gb of 1066 DDR3 left over as well.
**All will be priced with Motherboard and 16 gb of RAM.
1. Core I5 6400 2.7GHz $341
2. Xeon 1231-v3 3.4GHz $354 ($302 w/existing 8gb RAM)
3. Xeon E3 1230 3.4GHz $442
4. Core I7 6700 3.4GHz $430
With these choices do I have a cooler fan included or do I buy that separate?
Also will there be a need for more than 16gb of RAM on any of these?

**All will be priced with Motherboard and 16 gb of RAM.
1. Core I5 6400 2.7GHz $341
2. Xeon 1231-v3 3.4GHz $354 ($302 w/existing 8gb RAM)
3. Xeon E3 1230 3.4GHz $442
4. Core I7 6700 3.4GHz $430
With these choices do I have a cooler fan included or do I buy that separate?
Also will there be a need for more than 16gb of RAM on any of these?