Well, the 5 case fans make it a bit easier for the cooler to get rid of the heat, but it still has to be able to deal with it in the first place. The i5-version of the stock cooler is a bit heavier than the i3-version, but in reality they perform not much different (but both no comparison to even a cheap aftermarket cooler)
Whether the upgrade to the i5 is noticeable depends a bit on the software, because the 3550 is a quad-core, the 3220 only a dual core, but the single-core performance is not much different.