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DDR3 is still good enough if you don't want a 6-core PC. If you still remain on the still current generation 4-core CPU then you'll find that DDR3 is still good enough. It's only if you want to go 6-core (onto Intel's newer platform) or above that you'll truly need the DDR4. However if I were you I would just buy DDR3 until DDR4 is mainstream enough and/or you truly need a 6/8 core PC.
As you can see in this review, there's not a lot of difference at this time: