I think there's no problem until one is going far from the stock frequencies. For a non k cpu, why to waste money on an expensive chipset knowing that one will rarely upgrade in the future. @Cilius, bro I disagree with you. What do you mean by more power, it will only consume that much amount of amount of power that it is intended to use on stock and the heat to be removed by the cooler will be not more than its max TDP. And heat is not good whatever chipset it is, the only difference between a low end chipset and a high end one (lets say h61 vs z68) is that the capacitors and other electric components of a high end chipset have more resistance to temperature. If you plan on using a powerful CPU, you must make arrangements to dissipate the heat in best possible way, because the CPU trends to produce heat which is highest in areas around it. So, unless you have military grade components in that area, you are damaging your motherboard if you are not able to effectively remove heat from those areas. So, there's no problem to go with cheaper chipset like h61 or h81, just should have proper cooling.
HW cpus have integrated vrm so unless OCing a good H81 motherboard is good enough even for quad core cpus and this is why some H81 and B85 motherboard shares same vrm design near cpu area.
