Thanks for the reply
I managed to find a gt 940 for ~$85 that seems to come pre-OC'd:
http://www.galax.net/GLOBAL/740ocslim2gb.html
i don't know if I should factor it in or just use the integrated i3 gpu?
My budget is $400 btw
As for the SSD, I was planning to purchase one at a later date. Or maybe SSD now then HDD later.