I think it would be best to wait, because the gains going from 65nm to 45nm are nowhere near those you'll see going from core 2 to i7.
If the price of upgrade the mobo and getting ddr3 are a concern you're going to have to do that some time anyway, and intel will be keeping LGA-1366 in the high end through sandybridge. The price of ddr3 has dropped very much in the past two month too. You can now put together an decent 920 system for around a thousand dollars. Plus if you need to save up, by the time you get the money, price will have dropped again
Also the 920 and q9650 seem to overclock to similar speed, they can both break 4GHz
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