How did you measure cpu% ?
It can be very misleading because windows spreads cpu activity out over the cores available.
You could very well be running a game that uses only one core or two.
I suggest you run a couple of tests:
Limit your cpu, either by reducing the OC, or, in windows power management, limit the maximum cpu% to something like 70%.
Go to control panel/power options/change plan settings/change advanced power settings/processor power management/maximum processor state/
This will simulate what a lack of cpu power will do.
Conversely what a 30% improvement in core speed might do.
You could also experiment with removing one core in the bios. This will tell you how sensitive your games are to the benefits of many cores.
If your FPS drops significantly, it is an indicator that your cpu is the limiting factor, and a cpu upgrade is in order.
Or... Run your games, but lower your resolution and eye candy.
If your FPS increases, it indicates that your cpu is strong enough to drive a better graphics configuration.
If your FPS stays the same, you are likely more cpu limited.
Considering that the price of your graphics card is about 2x the cost of the cpu, I would guess that you are roughly balanced between the two.