yes will save money good advice, also people GPU are so easy to upgrade, its just plug wipe old drivers and install new drivers just must check power usage and required cables from PSU, and ventilation in case

if u cant afford good GPU its the preferred part of your system to ' save for later' if your newb.. just because so easy to upgrade dont have to worry about new sockets and disassembling stuff ect.. get the cheaper, when you can afford it sell old one on ebay and buy the new GPU

and yes directx 11 is good, not necessary.. but if your upgrading youd be pretty foolish to even consider a GPU without it, lots of great great low end choices even in DX11 liek amd 6500 or 6600 or 6700, even though thier new performance for price in most cases even matches last gen,