I think for your needs the duo will be more than fine. I use both, and the only place I see a big advantage to the quad is when running a couple of GIS and remote sensing prgs I use for work. They are both very CPU intensive when doing certain analyses. Where I see a difference with the quad is when I'm trying to multitask while those prgs are running algorithms that might run for hours. The quad lets me get on with other work without a hiccup, while I will notice lag on the duo (plus it increases time for the processes to finish).
Because I telecommute a good bit, I went with a quad core for my new computer at home, but if I wasn't going to be running the work prgs, I would have gone with an AMD Phenom processor. I can't really tell any difference between duo and quad with run of the mill stuff, and for graphics apps, I think your video card is going to make more of a difference than your processor.