i say 5 too... but with a better cpu.. just get a Q6600 that will see you fine for all new "war" FPS games coming out in the future. Plus Q6600 will last you man.. like you say you havent got money to throw around so you want the best you can get for price that will still be ok in future.
With Q6600 & 8800GTS combination you can play all current FPS games pretty much on high. i would go for the 8800GT thou, its also a very good Gcard.
Personally i would wait till january.. as Intel still releasing its Penryn CPU range, AMD releasing CPU range and this ultimately means current gen becomes old gen so pricedrops. Also Nvidia and ATi are releasing new cards eg new 8800GTS.