Whats the point of buying an overclocking capable motherboard and CPU if you "might" overclock?? Its a waste of money for something you might never use at all,especially when the cooler you bought won't push a decent overclock unless you want silly high temperatures. Haswell and IB run hot due to many reasons(small die,use of TIM instead of solder under the IHS,use of process node not optimised for higher clockspeeds,but lower power,tec).
The other aspect is that the biggest improvement with SSDs is random access times,which having SATA2 or SATA3 is not going to make any difference with. If you were looking at cost effectiveness,you would have just overclocked what you have now and got youself a SATA3 card:
http://www.amazon.co.uk/PCIE-SATA-eS.../dp/B00560ZOGO
The whole shebang would have been under £100.