Well I am not sure if I can justify the extra expense right now for the i7. The performance may be a little better, but I am not a gamer and average user and may never notice the difference from a Phenom II and i7. Plus, upgrading from a P4 @2.4ghz I am sure I will notice a big difference no matter which CPU is used. I read alot of reviews on the Phenom II x 4 920 (& 940) and all seemed to be really pleased at performance.
I want to say thanks for al linput so far, it has helped greatly for someone who is just an average user who is interested in building for the first time.