Is it really bad as they say it is
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Solved by dalekphalm,
Would I be good with buying the i3-4160 and a Z97 motherboard so that when I have the chance I can get the i5-4690k and save money not buying another motherboard to get overclocking features?
The i3 + Z97 would definitely provide a better upgrade path, but the question is this: Do you need to buy right away, or can you save now and buy later? Since saving up to get the i5 initially will definitely be better value in the long run.
But you can always sell the i3 you buy used (Even here on LTT via the Classifieds), to help offset the upgrade to an i5 (or i7) later.
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