cjrgreen: Overclocking is ONLY for power users for whom overclocking is within their comfort zone. If it is not, and you have said it is not, nobody has any business telling you that you should, and you should stop listening to those people.
Even if you are not overclocking, questions like "do I need an aftermarket cooler" and "what motherboard chipset is best for what I want to do" are valid.
Stock coolers (the ones that come with the CPU in a boxed set) are the minimum the manufacturer can get away with. They are good enough to run the CPU at its stated clock speed and power, in an ordinary home or office environment. But they are also cheap, flimsy, and noisy. Intel's "pushpin" design is especially troublesome; sometimes it is hard to mount, and it often makes you feel like you're about to crack your motherboard trying.
For Intel sockets, an inexpensive cooler of a design that has a backplate is a good investment in peace of mind and ease of assembly even if you are not going to overclock.
Intel motherboards are available with a bewildering variety of chipsets. The chipset determines things like how many PCI-Express lanes are available to the expansion slots, what version and how many USB connectors you can have, as well as whether the motherboard will do SLI or Crossfire or overclocking.
For Haswell (LGA 1150) CPUs, the compatible chipsets are:
H81: bare minimum, for low-cost systems only. Only 6 PCI-Express 2.0 lanes for peripherals. No PCI-e 3.0 at all. Only 2 RAM slots.
B85, Q85: step up for low-cost systems. Adds PCI-e 3.0, 2 more PCI-e 2.0 lanes, 2 more USB 3.0 and SATA 3.0 ports. 4 RAM slots.
Q87, H87: another step up for low-cost systems. More USB 3.0 and SATA 3.0 ports (6 of each).
Z87: preferred for high-performance systems. Supports 2 or 3 PCI-e 3.0 slots for SLI or Crossfire.
For a system you do not intend to expand, especially since you are reusing older disks that won't gain from SATA 3.0, motherboards with B85 and Q85 chipsets are usually the best value.
I am given to understand that the Z87 chipsets also allow you to overclock and this feature is exclusive to them. Of course, you'd need a k processor to take advantage of this.