Agreed. But your choices are now the 4060 to 16gb for $500 or a way more expensive 3090/4090 with 24gb and the power draw to go with it.
I found that 290W keeps the fans from spinning up audibly under heavy CUDA workloads with ~2% lower performance.
In retrospect I wish I had of known that "buy once, cry once" might have been the way to go here.
That's just me.