I don't know what you're doing with it, but if the quad core 2.5 isn't powerful enough, the 2.8 won't be either and you should consider a desktop instead.
If you feel the need to ask, then you most likely don't "need" the upgrade. Go with the 2.5.
I've upgraded the CPU a few times during my laptop purchases (all in fact, except for the one I have now,) and TBH, I didn't see much difference when I got my current one, and I run more CPU-related workloads than the average user.
Go with the 2.5, and put the savings into more storage space or memory, or towards AppleCare.
If you're still not sure, then go to the following site and compare scores for those CPU's in equivalent base systems: