In short.... YES!!
Worth it in the long run as it will give you more longevity before needing an upgrade.
I have a 4670k (with a gtx770) and without any OC there is a couple of games that push it hard, but with an OC of 4.6 stable with a $40AUD air cooler it just plows through everything with ease.
OC is some free performance, even if you werent to OC, it still seems like a decent idea, Passmark score for the 4460 is 6659, whereas the 4690k is 7755 - a 16% increase in performance. I just ran mine with a 'mild' 4.2ghz OC and got a score of 9072.... almost a 50% increase!!!
but these are synthetic benchmarks so don't treat them as 100% gospel
So it seems like a simple answer, but only you can make the call, if budget was an issue, Id find somewhere else to lower cost so I could get the unlocked CPU
Hope that helps