I'd wait.
It is the most expensive component of your entire computer, usually, and you want it to be in the best quality possible. Why save all of that money to get it used?
As for the 770 and OC'ing: Overclocking will kill your parts quicker, there's no doubt about that. How fast, no one knows for sure, but it degrades the components faster. You will not get to charge the warranty if you accidentally mess something up overclocking.
If you purchase an overclocked model from ASUS though, you will most likely have a warranty for that, and it is already overclocked. Like you said: You got the money, and you want it. Patience is king.
My 0.02...
Overclocking isn't a risk at all. If you want to overclock your hardware, you look for references for other from other people who have overclocked it. This is why some manufacturers have their hardware OC ready and OCing saves you a lot of money.
An i5 2500k you can OC it to stock 2600k with absolutely no harm to it, of course the i5 won't have hyperthreading, but it's still at 3.8-4 GHZ saving you two hundred bucks.
I'm also not trying to deny that overclocking will ware down your hardware faster, but I've clocked my GTX 570 2.5 VRAM to 860MHz and have had no heating problems or any sign of it dying soon for the past 2.5 years.
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