Without DLSS on how many fps do you get/ what games are you playing?
Vermitide 2 max settings at 4k no upscaling about 180 to 240 fps.
Darktide with dlss set to quality at 4k max settings without rt about 160 fps and with rt max settings getting about half ( the only problem with rt here is game crashes with rt)
Finished plaques tail at max settings at dldsr 2x4k set to quality got 85 fps.
Cyberpunk max settings and rt set to psycho 4k dlss set to quality and reflex set to boost getting around 60 fps min playable experience.
Red dead redemption 2 max settings rt on with all the bells and whilstles like water reflections at native resolution getting 80 to 90 fps.
Control with my previous 3090 xc3 at max settings and rt on with dlss set to quality at 4k about 80fps about to continue game with 4090 with new hdr and texture mod.
Hitman 3 max settings with rt on at native 4k getting 80 fps.
Hogwarts rt on max settings at native but frame generation on getting around 80 fps with reflex set to boost mode.
Some games look pretty good at 4k dlss set to quality with rt on like Cyberpunk and Control,but some games look better at native RD2, Hitman3, Vermitide 2, Darktide , Hogwarts and even better with dldsr above native like Plagues tail reuqueim.
I specifically waited for Cyberpunk with 3090 to get playable frame rates that is now possible with my 4090 with rt on.
This is all subjective obviously and the take home message.