If you want to save money then wait 2-3 months, you'll get more power too. The current mining-inflated GPU prices are unlikely to go down until Nvidia formally announces its 2018 lineup of GPUs. Even then, the price reduction on 2016 and 2017 Gtx 10xx series gpus will depend on retailers seeing as Nvidia don't appear to make and sell Gtx 10xx seeries reference models directly anymore. You'd probably get more power for a considerably cheaper price by pre-ordering one of the upcoming 2018 gpus direct from the Nvidia online store once they are announced.
You would be limited to a reference cooler design BUT you would only be paying MSRP which will be MUCH less than what equivalent 10xx series cards are going for now and could well be considerably cheaper than what retailers might still be selling 10xx series GPUs for when that time comes. You could wait for third party 20xx series GPUs and the better cooling / overclocking they bring but they probably won't launch till a month or two after the Nvidia reference model and they won't be subject to Nvidia's MSRP so mining price inflation could remain a problem for third party 2018 cards from the get go.
