Your provider sounds like an honest man. Stick to his advice. Do you really need four thereads to four cores, or would four threads to two cores suffice?
Of course, there's the difference between "need" <> "could put to a good use" <> "want". E.g. sinners like me often WANT things
PM if you wish.
PS: What's the need for dedicated graphics card? Bear in mind, that anything less than GTX 750 Ti provides little benefit over what's already on the chip.