If you can't wait, it's best to get the quad-core.
From my post earlier, I didn't mean for him to buy the new cpu's that will come out, if he does he'll need to replace alot of stuff. It's just that when the new stuff comes out, the older cpu's will drop in price even more and he says that's when he gets his new video card.
This is what you do, learn to overclock right now and gain experience for overclocking your new cpu later. Over clocking is really not that scary, there's enough satefy protection/indications on when you go high.