I decided to go for the 4 in the end: the 5 would be ?25 more, money I could save for F1 2011 or Fifa 12 and from the videos I've seen, the 4 does a great job in any case.
And since you live in the USA, you'd be able to order it directly from the site - which is a hell of a lot cheaper than ordering from one of the authorised dealers which is what I have to do as the shipping from the US is a bit steep, to say the least.
It all depends on how much you play sims - by the sound of it, you play them a hell of a lot, so it would be worthwhile.
Here's the link to the site if you want to investigate further:
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