Depends on the size of your monitor. Are you gonna get a 24 inch monitor? Then 2k seems adequate. Do you want a 30+ inch monitor? Then I would go 4k.
Depends on the kind of games you play. Do you play Fighting games or FPS (FIRST PERSON SHOOTER) games at a competitive level? Then I would go 144 hz. Do you value color fidelity and play slower games like rpgs? Then a 4k ips panel would seem the better way to go.
As far as FPS (FRAMES PER SECOND) limitations at 4k go, that's for some games not others. You could always drop to 2k (or something in between) for things that don't hit that 60 fps mark and still have the added benefits of an IPS panel (Color Depth, Viewing Angle). A thing I hate about my 144hz TN panel is the viewing angle is bad when I slouch in my chair but then again I love fighting games so the low (11ms) input lag i have on my panel is important for me.
Remember when you're shopping that Response Time does not equal input lag. For whatever panel you're looking at you should google the input lag. For most high performance 144 hz monitors the standard is at about 10ms at the center (or average).
::EDIT::
I think for most things unless you play competitive FPS (FIRST PERSON SHOOTER) games 60hz is pretty smooth. Probably smooth enough. It gets hard to tell the difference. The driving factor for "smoothness" is really FPS (FRAMES PER SECOND). Really depends on what you play and at what level.
::EDIT 2::
It's also worth mentioning there are higher frame rate IPS panels also that run at 4k. Theres also panels like the Asus Pb287q which is a TN panel which runs at 60hz but has only 1ms response time and 11ms of input lag which is an interesting compromise.
::EDIT 3::
Last one, I promise. I thought about it a bit and if I were in your shoes and I wasn't super competitive about First person Shooters (i mean play pro league) or Fighting games (if you care about fighting games the choice of least input lag {144 hz} is clear) I would DEFINITELY get the 4k panel and I would get a nice big size for several reasons.
1) There is an immense luxury about a nice big screen if you can afford it.
2) PS4 and Xbox are both moving in the direction of 4k resolutions one way or the other. That means whatever you get on the PC will likely be tuned for those standards.
3) A quality monitor is a longer term investment than your PC (usually). I've had certain displays for many years. You'll eventually get a new gpu or a new rig altogether or a 4k console or who knows. It would probably be smart to get a panel with more scalable resolutions for when your PC or future PCs are behind or ahead of the times.
4) Honestly the difference between 60 and 120hz is hard to see. You can definitely tell if you look but in my opinion when you're playing it's really not that big a deal. Frame rate differences are a much bigger issue. Also most videogames are designed for televisions which usually run around 60 hz anyways.
At the end you can rest easy knowing that, whatever decision you make, you're purchase will soon be obsolete. The OLEDs are coming.
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