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If you buy a dual core CPU today, you are definitely buying "for the moment" which more or less means upgrading sooner, or dealing with a less than ideal set up in the future.

It's still kind of hard to recommend quad core CPUs specifically for gaming since there just aren't many games that optimize for 4 threads or cores. But if you can get one reasonably priced and overclock it to similar speeds used in dual core gaming systems (3.6 - 4.0ghz being the current point of diminishing returns), there's no point in trying to save $100 or less on a lesser CPU that you'll end up replacing much sooner.

For CPU intensive productivity, encoding, 3D software and rendering on the other hand, there is no such thing as "too many cores" or too much clock speed.