In my experience whenever you get to a point where you can't decide what to spend your money on, it doesn't last long. I got really good at spending away my earnings over the years and managed to almost completely eliminate the "hmm what to spend this on" periods

As for the PSU being too close for comfort.. it depends on how you did your calculations. I like to give it at least 20-30% capacitor aging and put everything at full load to simulate the worst case scenario. In reality there probably won't be too many times when everything is working at full load (when playing newest games your GPU will be at full load but the CPU probably won't, etc - conversely if working in professional 3d apps etc your CPU will be strained but not the GPU).
I had a Corsair TX650W die on relatively recently, shortly after I installed a GTX480. In theory it should have been able to handle that card - but it didn't. I just counted my blessings that only the PSU died and bought the (much more expensive) Corsair 850W AX series, and that's been fine. Should actually be able to run SLI with that. Not sure how efficient Thermaltake PSUs are, though. If they're good enough, it should just be able to run that card. But in reality your current card can still run pretty much anything fine, so put your money in the bank or spend on something else. Graphics cards are best replaced when the old one has served it's useful cycle - your 460 gtx isn't anywhere near that yet.
If that money is burning a serious hole in your pocket, you might think about investing in more RAM, a good SSD (the ones with decent capacity are pretty expensive so they'll be very, very good at breaking your bank), a cool gaming aid (like sims? get a HOTAS stick. Or a racing wheel), or something else. Or blow it on gambling, booze, and women of questionable moral values.