I agree, but I guess my way of building is that, I`d rather overclock from Day 1 on a new chip to get the most value out of my new setup, then try OCing a chip thats worked well, on Day 600 and loose that value I could have enjoyed earlier.
To be fair if you need a Z170 skip the extreme end and the budget end of boards. The parts in the higher end only have value if you use them, otherwise useless ROI. Lower end parts, well for the most part are not a good idea. Midtier boards, especially those that are server or business certified carry a name and at least promise that they have longevity in mind.