Check out the Anixter.com site (technical library). Anixter invented the concept of "level rating" cabling (which became Catagory rating later through the EIA/TIA).
IMHO, it would be a huge mistake to install a new cabling plant for a business and not use the highest level of media you can get your hands on (in this case, Cat 6 for copper). I'd also be inclined to recommend fiber to go in with the copper. The majority of the cost for a commercial cabling installation is the labor, not the media.
This happened "a few" years ago with Cat 4 and Cat 5. A lot of places figured 16Mbps Token Ring was probably as good as it was going to get, so Cat 4 (being *slightly* less expensive, and adequate for the type of networking protocol) was installed. Then Fast Ethernet hit the streets and got cheap, and those places ended up re-cabling way ahead of plan.
Pull as much as the budget allows, use the best cable you can afford, and at least run fiber to "zones" in the building for future workgroup/bandwidth expansion.
Keep in mind that you can have media pulled and left unterminated. Having some spare pair is a good thing. There's no telling what might come down the line in ~five years or so.
FWIW / JM.02
Scott