In my opinion you should plan on overclocking, that will get you the most for your money.
You can spend literally several times more than a budget overclocked setup and still be completely outpaced by it.
Like I said, if you give us a budget and what you want to do with the computer (gaming...etc) we can spec you out a system that, when overclocked, will beat pretty much any pre-built system (depending on the budget of course).