AMD CPU's are a bit more complex (And thus problematic) to overclock compared to Intel. (With the exception of Socket 2011 if you get into the nitty gritty.)
Heck, the culprit might actually be the motherboard or HT Link speed, Ram Multiplier, NB clock or lack of voltage, I'm yet to meet a Phenom 2 that couldn't be pushed to 3.8ghz or more.
As for the Ram, I say hang onto that, the only time you *really* notice a difference with faster Ram is with IGP's and APU's which are bandwidth starved anyway, use that money saved and channel it into the SSD.
I was planning to offload my old CPU, Mobo to my little brothers so I might as well grab the better RAM lol.