Personally I was in the same boat and I decided the pelts were the way to go. More compact, easier to change a "piece" of the system at a time, and a system that entirely complements itself, water cooling and pelts go well together, if you do the water cooling right. Given that you are at 2.8, Prom probably only will get you an extra 200mhz, if you are average, slightly more if lucky. GPU cooling however turns into real fps fast if you are a gamer. Longer term its cheaper to upgrade pelts, or blocks, than it is to buy new head kits for phase change. There is coolant to think about and the fact that water will be easier to upgrade to keep up with the greater and greater heat output of cpu's as we move forward. Its not like you can't buy a new prommie someday, but once the cpu exceeds the prommie you have, buying a whole new one is the only way to overcome it.
My $.02
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