I think Intel is kinda playing the system a bit. If they didn't provide the absolute bare minimum HSF, they could probably sell you the CPU @ 4.4GHz stock. Instead they clock the CPU under its potential so you'll have something to toy with and to justify the price difference. K models don't even include a HSF, correct?
Can't really blame them. They haven't had any competition for almost a decade now. Same with Nvidia.
Overall, I'm very happy with the i5. The more I use it, the more I see how much of an improvement it is over my old Phenom II system. I'll be real damn happy once I replace the spinning rust with an SSD and get a Freesync capable card/monitor.
Really need to get a side job. PCs are a money pit.