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The lack of SSD is most responsible it booting and doing Windows stuff feel bad. If you get it with the Web browser then both SSD and your RAM amount.
In games if you drop settings enough the GTX 970 still is ok.
Quad-core is still pretty fine. 3.2-3.6 GHz is lower than i7 8700 4.3-4.6 though and more with the K model and OC plus that one have a 50% more cores and can run 12 threads rather than 4 at the same time. So it's better and will be capable to run games better and be better for streaming and such but for most games your likely just held back a bit.
SSD and more RAM would make it nicer but for games I assume you can run almost everything just a bit slower than what the best parts allow you.
If you are unhappy with performance than upgrade but if you have no issues save some more cash and wait for some components to come down in price
Your cpu and gpu are fine. I myself still have an old pc with i7-2600 and a gtx1080 and it doesnt bottleneck at all. Upgrading cpus is quite pointless unless you have some ancient amd fx or intel core 2 quad...