Regarding the Cooler of the Phenom II processors, all the quad cores ships with same type of cooler, only the 6 cores come with a better cooler.
So there is no point of getting a Phenom II 970 just for a better cooler. If you want better cooler then simply opt for Phenom II 965, available at 6.4K.
Let me suggest the whole rig to you, assuming your budget is around 45K.
AMD Phenom II X4 965 BE 3.4 GHz@ 6.4K
Gigabyte GA-970A-UD3 @ 6.6K (better than Asus 970)
G-skill RipjawX 4 GB 1600 MHz Ram @ 1.55K
Zotac GTX 560 1GB GDDR5 @ 10.8K
WD Blue 500GB @ 4.3K
Asus DRW-24B3ST @ 1K
BenQ G2220HDL @ 7.5K
CM ELite 370 @ 2K
Seasonic SII12 520W @ 4K
logitech mk200 usb 2.0 @ 0.7K
Total is around 45K. This system is pretty much balanced to handle all your needs.