Well I have a Phobya G-Changer v2, which can take good care of a GTX670 and a 3770K (validation in sig) with a set of NF-F12s, mostly running at 800rpm (summer time necessitates higher fan speeds), at which they're pretty much silent. Tested on the hottest day this summer, fans at full blast, the chip and card under prime and FurMark respectively, the highest recorded CPU core temp was 65 C and highest recorded GPU temp was 56 C. It should be noted that the high CPU temp at such low Vcore is due to the stock configuration of the IHS. If I delid, I expect a 5-10 degree drop, more if I run bare die. I've had some Phobya Liquid Metal for this for a while now, but 4.5GHz is fine for now, so I'm not going to f- with it.
To answer your question - yes, a 360x60 for a CPU alone is overkill, HOWEVER it allows you expandability later on (board, GPU, etc), and it allows you to run the fans at very low speed, even under OCCT, and potentially - have the whole setup running passive, depending on how much heat the chip kicks out, and your general case ventilation, as well as GPU heat dump.