First of all, thank you royfrosty for the recommendation. Looks great.
But I have a few quick questions. (sorry noob here

)
I don't have a SSD because I find it comparatively expensive. Does it really help in rendering speed? I know SSD boost start-up and loading speed greatly but I kind of can live without the boost.
Oh and I've notice there isn't any additional CPU cooling fan. I'm kind of worried as my room is hot at times, will it be better to get one or the default fan is good enough?
And lastly, for the chip-set you recommended B85, any reasons you choose it over H87 chip? The price seems close if I'm not mistaken.
Thanks.
PS: I've heard from people that for GPUs it's better to pair Intel-Nvdia or AMD-ATI, is it ture?