That's don't make sense if you can't use the extra speed, what's the point of wasting $60 more then you have too ?
Let's assume that the $60 or so is not a burden to spend today.
Let's also assume that you buy a router maybe twice a decade.
Let's further assume that you do not buy a new router and all new clients at the same time. Rather the opposite, the newer clients get added as the old ones get sold/die off.
Finally, a fair assumption for most people is that the network usage changes as time marches on.
If most of the above points are true for your situation, then saving $60 today will get you measurably less performance for (possibly) years (until you upgrade your router to match your future network loads and client's capabilities). Or, you may need (be forced) to upgrade much sooner than otherwise (making your total cash layout for network equipment higher overall for a given time period).
But for approximately $12
a year (in your case, assuming a five year term of ownership) you can be confident that the router not only will match and exceed your current needs, but also those for the whole term too.
What many of my customers remark is that a properly configured (and modern; RT-AC68U or higher) router makes even their 2.5/0.25 ISP connections seem upgraded vs. any N Class router they had previously (even the venerable RT-N66U too). How is this possible? Well, for me, the consistency of the connection is greatly improved (even on my 50/10 ISP plan) and makes reading the web feel like I'm reading locally saved pages on my hdd.
While you can easily go overboard in any 'field' and be well beyond 'bang for the buck', spending a few dollars more today on the best router you can afford is not an exercise in frustration. Regardless of your current network needs and expectations (with the above 'assumptions', of course).