> someone will come out with a high-ram neural network only card at some point, and that would end up being better than the 4090 anyway because 24 gigs of vram is still quite small
These already exist, they're just disproportionately expensive compared to consumer cards. You can get a Nvidia A100 with 80GB VRAM on eBay for about $14,000.
3.33x the memory for 9x the price.