multicore its not the same thing, for example in games,they ganerally use 1 core for the AI, another for sound/game logic, after that is graphics and physics that make sence to use several cores for those 2 tasks.
Trying to split AI or logic intro several cores is a waste of time and human resources.
Now for other things that are not games? no, there a few more things that make sence to use multiple cores for 1 one particular task, encoders, decoders is one for example.
Sure, and nobody disputes that. We'll find a range of people in the forums with varied preferences for spending money, different usage profiles like those you suggest -- different needs.
Personally, I'm at a crossroads myself. I've now got two Sandy systems. They take everything I throw at them, but what I throw at them might be slightly limp compared to the usage profiles of others.
I've been planning to build a Haswell-E system next year. Why? Like the lawyer says about the tycoon who had a snuff film made in the Nicholas Cage film "8mm" -- "because I can." The "E" system would be my first experience with water-cooling.
I don't know whether I need to build the E system to do the latter. But I'm reasonably sure if I invest the money in building an E system, I'm likely to do it with water -- even custom-water.
Why do I need six cores, or 12 with HT? I don't think I do. Or, at least -- I should admit to myself and the world at large that I "need" it for the bragging rights. But I could also spend the money on new software, new peripherals -- and maybe a new gas-grille barbecue. Or better automobile maintenance. Or maybe I should just save the money to be left to my beneficiaries in a last will and testament. I'm not sure they would be all that pleased to inherit several computers.
If you put some bottles of wine aside at the right constant temperature, they may likely improve with age. But last year's processor is just "last year's processor" slowly becoming obsolete.
That being said, disposable computing is also a budget drain . . . .