IMO, spend the extra $20 on the unlocked 3570k over the 3550. Even if you don't plan to overclock now, you may in the future, especially since you said this is for a gaming machine.
For mild overclocks, you can use the 3550 just as well (as long as you're on a Z-series motherboard). The 3550 with +4 overclocking will turbo to 4.1 on 1/2 cores and 3.9 on 3/4 cores. Use the $20 for something else - more RAM, better SSD or just save it for the next machine.Get the 3570K.
Boot into the BIOS set the multi to 40 and Save & Exit. It's so easy even a caveman can do it. I wouldn't call this overclocking... I'd call it ... spoonfeedclocking. Stock heatsink is sufficient for 3570K @ 4.0.
If it is only a $20 dollar difference between the 3570K and 2500K then it will be the best gamble you've made. Even if the multi change don't work you can just set everything to default and carry on.
Ivy is faster per clock. The Ivy vs Sandy argument revolves around Sandy typically having a higher over clocking cap. At stock I'd take Ivy any day, it's both faster and runs cooler.
The argument is that stock Ivy Bridge thermal interface material is crap compared to Sandy, overclocking or not, if you leave the stock tim on you'd be better off with Sandy.