If you don't want to overclock at all, skip the K chips, and skip the Z boards in favour of cheaper models that don't offer overclocking. No point paying for an unlocked chip/chipset that you aren't going to push. That will also help in terms of saving some cash.
Don't skimp on the cooler. Noctua make excellent air coolers that are quiet. They are by no means the only one, but I find them to be at the top of the heap, and easy enough to get hold of where I am - their fans are excellent.
Also, consider assembling the PC yourself, lots of "how to" guides on the net, and it is pretty easy. You're not likely to ruin anything, especially if you pay attention to the guides. I'm sure you could also find someone that would help you out for a beer, I know I'd help someone learn to build for one. It's very satisfying, and a worthwhile skill. Your call though. If you can build a small lego kit, you can build a PC.
As a rift owner, I agree with the Vive, in terms of tracking at the very least. Room scale with the Rift is a bit of a mission, with 3 cameras and 3 USB ports tied up, and all the cables running around the room... I don't play any room scale games at this stage, so not an issue for me, but I will be considering this heavily when it's time to upgrade.
Having said that, I really do hope a viable tracking alternative is invented that doesn't need cameras or lighthouse tech.
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