I do not know what other sims/games you play, and at what resolution, but generally the better cards (more expensive) the more sustainable they are in the long run.
It always hurt when you have to pay up, but in the long run you probably don't need to upgrade as often.
I need to do my upgrade when/if I go VR with higher resolution than my 2k monitor can muster, else I'm good for a couple of years with my 12gig 3080.