It might be overkill at the moment but I presume you don't want to only play current games, the point is that the RX 480 will future proof you better. You may buy a 1080p monitor, future games will require better GPU's. If you got the 960 you'd find yourself replacing it sooner so if you can afford the RX 480 that is the best option. If you can't really afford it at the moment then I would suggest you wait and get the RX 470, it should beat both the previous gen cards and save you a bit of money over the RX480.