Shall I go with Z87 or Z97?

[Tomek20225]

I know, I know - Z97. But, please, read the thread and then reply.
In few weeks time I'm going to buy a new PC, so I'm making sure that everything is best at the lowest price possible. I'm kind a greedy person when we're talking about money, so I want to save as much money as I can.
I chose the parts by how I'm going to use them or need them to do something:
Intel Core i5-4690k (because I play games only, don't need i7 for rendering or something... at least now)
Gainward GTX 970 (it's the lowest price GTX 970 in Poland and it's still kinda good)
ASRock Z97 Extreme3 (because I'm planning SLI in the next few years and a CPU upgrade to i7-4790k)
(12GB of ADATA 2x2GB and 1x8GB GoodRAM 1333Mhz RAM, because I don't need 16GB... at least now - that's why there is a free slot on the mobo left)
Intel 520 120GB SSD (cuz' why not)
SAMSUNG 1TB SATA2 7200RPM HDD (from my actual PC - it stores all the games, movies and photos I have)
Cooler Master Hyper 212 EVO (make it cool, baby)
XFX Core 750W 80+ Bronze (for the mentioned SLI)
Zalman Z9+ (do I have to explain why?)
5 fans (1 on the heatsink + 3 LED + 1)

So that's how it's going to (probably) be like. But I'm not sure (again) if I truly need the Z97 chipset. I don't see any pros and cons of having Z87 instead of Z97, without counting saving money.
Simplyfiing it a litle bit, I don't know if the I5-4690k is going to work on Z87, because that's actually the only thing why I want to spend those 20$ more on the motherboard, and for me it's a bit much. Or if I even need the i5-4690k instead of i5-4670k.
I don't know. Please, help me with this. It might be simple question with much reading, but I want to be super-duper sure about this.
I just don't know if the Z87 support for Haswell-Refresh won't end, for example, tommorow.
If i said something wrong, you propose to change something in the PC or just want to answer to my question - reply to this post
Thanks in advance.

[Laputacake]

I'd say z97 as it will support broadwell. Also i have to update my bios to use Haswell-refresh cpu on my previous generation chipset (B85) so you might have to do the same meaning if you dont have a haswell processor currently youll have to buy one. So overall id say z97

[Tedster]

It depends entirely on the specific Z87 board you want to use, whether it has an updated BIOS or not, if  it has been factory updated etcetera.
 

If it hasn't been updated, you can update it using an older (very cheap if you want) working chip.

You could also probably be fine with a 4670k. The Devil's Canyon refresh can provide far better temps if you don't want to delid, however.