May very well be true if you don't care for sub-60 fps drops, have a G-Sync monitor, don't care to get 80-100% of the GPU's performance despite buying an expensive videocard (then the question is why buy a GTX980Ti over a GTX970/980/R9 390, etc.), or don't play many CPU-demanding multi-player games (online strategy, MMOs and FPS). If you are happy with the performance, that's all that matters but objectively, i5 2500K or non-K will bottleneck modern GPUs in nearly every AAA game. This is because a stock i5-6400 is already too slow.
i5-6400 vs. i5-6400@4.5 w/ GTX 1060 6Gb @ 2Ghz
> The CPU bottleneck in BF1 is tremendous with a stock i5 and a mere GTX1060.
i5-6400 vs. i5-6400 @ 4.5Ghz
0:21 min = 48-51 fps vs.
78-81 fps
0:32 min = 49 fps vs.
77 fps
0:51-0:53 min = 46-48 fps vs.
68-69 fps
https://www.youtube.com/watch?v=IdV7zhDfA4Y
i5-6400 (3.1) vs i5-6400@4,5 in all new games 2016 (GTX 1060 @ 2Ghz)
https://www.youtube.com/watch?v=lOl21O_8_RI
Buying any GPU above GTX980/R9 390X level and pairing it with a stock i5 2500-6400 era is akin to flushing $ right down the toilet.
I know that on this forum people will continue to deny deny deny CPU bottlenecks and yet professional YouTubers have proved them wrong for the last 5 years in a row. Not trying to pick on you in particular but the performance difference between an i5 2500K/i5 3570K and i7 6700K in modern games is very larger at times in terms of minimum FPS and consistent averages on a GTX1070/980Ti level GPU.
Every single person living in denial with these GPUs gaming on those outdated i5s is never going to see the full GPU performance that any professional review shows. That's why a lot of the time the GPU sub-forum arguments are sometimes a waste of time as we are comparing benchmarks on cutting edge i7-6700K 4.5-4.7Ghz rigs and write 20-30 pages on how one GPU is 5-10% faster than the other but most PC gamers are using CPUs far slower than even an i7 3770K.
You don't have a MicroCenter near you? They have i5-6600K for that price and i7-6700K for a stellar $260.
From most overclocking I've seen, i5-6400-6500-6600 non-K all overclock the same, topping out at 4.4-4.6Ghz with max voltage of 1.47-1.48V. i5-6600K/6700K can overclock better to 4.6-4.8Ghz.
What motherboard are you going to be using, hopefully an Asrock because for all other brands you'll have to install a custom BIOS for BCLK overclocking.
I presume you intend to keep the CPU for games for 2-3 years at least. Then it's not overkill as you'll probably upgrade from those cards. I would have personally sold all of those budget low-end cards and purchased at least an RX470/480/GTX1060 6GB. I don't understand the point of having so many low-end GPUs that perform so similarly to each other. Why do you have 2x R9 270Xs and then also a 950 and an RX 460? Sell them all honestly.
RX 480 8GB is $215 with Civ 6 and there are good deals on
GTX 1060 6GB cards as well.