Uhhh...who is having to buy new PSUs and coolers? I bought a bigger PSU not because of the CPU, but because I wanted the option to run dual GPUs down the road and its pretty damned hard to find a PSU under 600w that supports dual PCI-E connectors.
As for the CPU cooler it worked fine, I sold it with an Athlon X4 OEM that I picked up to build a box with, the only reason i went with the Hyper N520 is I LIKE the N520, it is very compact, small enough to fit into a mATX case, yet its quiet enough and cools well enough that I can toss having an exhaust fan and just use the N520. again i didn't HAVE to, the default cooler that comes with the chip works great, i just prefer having heatpipes on my system.
The simple fact is for less than the cost of a gimped Pentium Dual you can get an X4 that WILL beat it in most tests, will only set you back $67 and makes a great basis for a multimedia or even gaming box which you can have for less than the cost of an i3 and board. hell spend just $7 more and you can have 6Mb of cache which isn't a great help in gaming but is nice if you are transcoding, or if you really feel like splurging spend a whole $89 and get an unlocked 6 core which is great for multitasking. Hell just $250 after MIR will get you a whole 6 core system, just slap on the OS and go to town.
I can't do the math for you since i don't know how much electricity costs there but before i bought my 1035T I did the math for mine and the difference in price between the X6 system and the lowest Intel X4 with equal specs would have taken at least 7 years for the difference in electricity to come out in favor of Intel. Over the life of the system you MIGHT save enough to go out for pizza, MAYBE. I'm sorry but unless you are one of those rare people that push a machine to the bleeding limit the math just doesn't work in Intel's favor, sorry.