It's entirely up to the features of each component and what you'd want to get out of it in the long run.
If you don't need to overclock right now, maybe down the road you might do it anyways to get a little extra bit out of your hardware, and the price difference isn't too big to make it worth it.
I really want to try out VT-d compatible hardware later on, sadly it was not really supported in the architecture of the parts I chose way back when. VT-d (or AMD-V) allows you to pass-through PCI-E (in addition to CPU, USB etc) to virtual machines, one possibility is Windows in a VM on Linux and be able to play games at close to 100% performance, which is really cool. See
this video for a demonstration.