Sorry, but that's overwhelmingly foolish. You're going to pay an extra couple of hundred dollars now so that in the future when you spend more money to upgrade... you don't have to buy a $100 motherboard?
That's just never, ever, a good economic decision.
Same with the PSU. Buy the higher-wattage PSU when you freaking need it. Not on the "maybe, someday" theory. Save the cost of the new PSU. Then if you do go for a major upgrade, you have the money for an (even more modern?) PSU. Or if you decide not to do a major upgrade in the future you don't think to yourself "I can't believe I bought this worthless PoS."
Edited by MisterFred - 2/10/13 at 8:41am