Brother, I'm on a 3070 Ti and I can play basically all games at full settings at 1900x1200 resolution. I've only found one game where I had to turn the settings down (Talos Principle 2). Most games aren't really demanding.
It's also quite nice to actually hit 165 fps in some less demanding games on my 165 hz monitor.
I've personally never found Ray Tracing to be worth the performance impact. I have a 3090 and a 7900 XT at home, on different computers. When opening a new game, I just keep everything on Medium, turn RT off if possible, and enjoy good fps at 4K in most games.
Doom The Dark Ages was the only one that didn't perform as well as I'd like. Still, perfectly playable at 1080p, Medium settings, targeting 120+ fps.