I always look at it this way:
Across the board, a 10% increase in cpu speed may yield a 6-7% system speed. If a noticable increase in speed is your prime reason for upgrading (not a platform change or anything else), I wouldn't do it, unless you are using the PC for time critical stuff over long durations. Or if you're a benchmark freak.
The best you could hope for stock would be a ~10% cpu bump (3.4>3.8). A plausible way to check that out and see if you can notice the speed difference, is to underclock your system by 10%, use it for awhile, and see if you can notice that 10% difference. If you cannot, keep what you have. If you can, it only becomes a matter of how much the speed bump is worth to you.