If you're not overclocking and don't care about noise levels stock fans are more or less always adequate. Not great or even good, but adequate. The reason the hyper 212 Evo gets tossed around so much is it's basically 25 bucks to give you a lot more headroom to play around with light overclocks.
Is the overclocking on the i5 4570 (non-K) still possible? I thought you could to a degree, but they just don't have unlocked multipliers so you just have to mess with pre-determined clock multiplier for the FSB.