500Mhz is a significant jump. Kind of like the overclock a K chip would get over a stock chip.
It is the case of best return on investment. The way things are going with Intel, LGA1151 will be a short lived socket, if not the last consumer grade socket. Given the IPC differences from SB, IB, Haswell, and Skylake, even a 7th generation chip that plugs into a board you buy today will only be %5-10 increase. If you get the 6500 or 6600 now you have that 10% over the 6400 already and don't have to mess with it. (Example numbers, would really need to see some comprehensive benchmarks to get some exact figures) (So the theoretical i5-7400 would be on par with a i5-6600 in the future)
Though the point about getting a Z series board is a good one. If in the future you feel the need for more performance but don't want to buy a new platform, you could conceivably drop in a 7th gen K series (if supported) and run that.
However, that is kind of what I hoped for Broadwell and Z87, but that didn't turn out to be compatible or useful due to the Broadwell design. My particular CPU isn't a great overclocker, requires far too much voltage and I had hoped to replace it. Now I am holding out for gen 7 in all likelihood. Or Skylake-E.