If your not going to overclock (though I highly recommend you DO overclock, since you have an entire community here to help you) then yeah, you might as well go for one of the locked Intel i5s and stick with the stock cooler, as getting a FX + 212 is used to help you achieve a sick overclock.
If you do change your mind about overclocking, and your budget is $700, could go for this:
http://pcpartpicker.com/p/mNxC
The addition of this SSD to the build will speed up your overall system performance quite a bit. Boot and load times will be drastically reduced.