Yes definitely going with air cooler now. Probably just stock. Yea I could spend that saved $$ on more RAM. I'll look into that PSU, possibly get that other one " Corsair CXM 450W 80+ Bronze Certified Semi-Modular ATX Power Supply ".
And thanks for pointing out about the SSD / M2 situation. Good M2's are too expensive so I may as well go with a good SSD