Im having a bad feeling that buying the i5 6600k will be hard to maintain it and after reading that you have to have a higher psu to keep stuff running well it all seems a little too complicated for a starting build. Right? I think 'ill have to change my motherboard and cpu to not overclock and maybe, just maybe fit the gpu in.
I think that's a pretty good analysis.
You need a quality power supply regardless of K or non-K. Don't go cheap on this piece.
There's no reason you can't and shouldn't get a K if you can afford it and want to overclock. The point is there are things you will have to deal with: budget, learning how to overclock, dealing with the extra heat generated, risk of damaging or shortening the life of a components----all complications.
I normally wouldn't tell a first time builder to jump into overclocking, but it can be done--subject to the complications in the previous paragraph.
Try this:
CPU: Intel i5-6400; this is the least expensive current generation i5 desktop quad-core; not overclockable, but strong.
Motherboard: mid-level ATX or micro ATX socket 1151 motherboard with H170 chipset from Gigabyte, Asus, or Asrock; not an overclocking board, but still good quality.
Cooler: Use the stock cooler included with the CPU. You won't be overclocking, so it's OK for now and can be upgraded if necessary.
RAM: 8 GB (2 sticks of 4) DDR4, 2133 speed, 1.2 volt; Crucial, Hyper X, G Skill, Corsair, or Kingston; RAM is pretty much a commodity at any given speed, so just get a basic set, without heat spreaders.
PSU: 500 to 550 watt high quality unit; semi modular or modular; brands such as Seasonic, XFX, EVGA, or certain units from Corsair or Super Flower.
Case: your choice, make sure all fans are at least 120 mm.
That's a good basic machine that is pretty strong and won't break the bank. And can be upgraded as necessary over years.
You'd still need operating system, hard drive, and video card.
You need to decide if you can omit the video card temporarily till you get more cash.
If you are willing to do that, maybe you can fit in both a standard HD and an SSD right away. In the US, you could do that for $150 or less--say a 1 TB hard drive and a 120 GB or 240 GB SSD. Something like that.
If you are not willing to do that, then go with just a standard hard drive. A good 1 TB unit is maybe 50 to 60 dollars in the US. Blow the remainder of the budget on the strongest possible video card--particularly if this is mostly a gaming setup.
Fiddle with that at PC Part Picker and see where you get.
You probably ought to buy some thermal compound. Arctic Silver is a common decent choice.
No water cooling; no overclocking; no high speed RAM, no Z170 motherboard.
Build it and evaluate it---both for performance and temperatures when gaming. If you don't like the temperatures, re-consider another cooler.