Both of my parents, and my brother are running Athlon 64 X2 3800+'s that I picked up on the cheap. Compared to my quad-core in light applications and general web-browsing they feel pretty much just as zippy. Obviously the quad-core feels a little bit more so, but its very marginal and probably would not be noticeable unless you used my computer for a while.
I feel the real break is the dual-core processor. Honestly, even most Pentium D's are fine for the typical user....though their power consumption and heat probably aren't.